Me too just got denied. seems i had too many hard pulls in last 12 months.not sure if i can try for recon for this case.
Welcome to the Forum herve! You will learn a lot is sure. And be aware ... just like someone said ... this forum could become addiction to you, like many other members.
So, you have 8 inqs in last 12 mo? If the inqs are the reason, you can try again in 2012 which is 2 yrs later after those inqs fall off from your CR. I know 2 yrs is long ... but in this way, they can't say you have too many inqs to deny your apply.