Denied for Barclays NFL Rewards??

[Evel_Knievel]

When applying on the NFL Rewards website I got denied with a TU score of 713.

Only two inquiries in March of 2012

Several loans all showing paid in full and never late.

One auto loan over a year old with no lates and a balance under $3K

One judgement from 2008 that was payed in full back then due to fall off in 2015

One negative from Midland Funding that just came off of Experian last week and is due to fall off the other two CRA's this Dec.

I've heard of people far worse off getting approved.

What gives?

[Themanwhocan]

What credit cards do you currently have, what are their limits and amounts currently used?

And how long have you had each credit card?

[coldnmn]

Welcome to the forum! Barclays are notorious for denials. They are also great for reconsiderations. Call them with your file you will be approved. 

[Evel_Knievel]

I don't have any credit cards.

My current debt to income ratio is 3% according to TU.

[Themanwhocan]

You don't have any experience with credit cards showing, so the computer algorithm probably wasn't programmed to accept someone with that lack of data.

It sounds like you do have experience with loans and such, so calling and asking for a manual review might get you a card with a starter limit, which will grow. Thats what you need right now.

Check the Backdoor numbers thread, in the green stickly-posts section at the start of the list of threads. Good luck.

[Evel_Knievel]

Thank you, I'll give that a try monday and post back the results.

[coldnmn]

Good Luck!

[myjourney]

Barclay is hard to recon but looking at your profile I think you may have a shot ....Good luck

[myjourney]

[jamie123]

No, call right now!

They should still be there to do a manual review. If you learn anything from this forum it is to do recons. A lot of people get turned down initially but just by calling and asking for a review get approved.

Good luck!