GE/Lowes denial letter

[HYPASS33]

Got letter this morning and it said my TU score was 595! I pulled Fico and it says 659!! Should I try back door on this??

[HYPASS33]

Sorry don't know how to delete this since I already sent it.

[specsnow]

You've already used the HP so it won't hurt to call in. It will help to have a copy of the report they pulled, to discuss anything they mention as being a factor. What did they say in the letter as their reason for the denial?

[HYPASS33]

Tax Lien ( which is deleted now) and collections ( which are paid) no recent accounts ( they just approved me for lowes and Sams that are reporting now).

[specsnow]

How recently were the Lowes and Sams opened? And how old are the collections, and how many total? The collections are obviously your biggest hurdle. Calling in and politely explaining that you fell on hard times and that they were taken care of as soon as you could may help. It all depends on how nice of a rep you get really.

[HYPASS33]

Actually Walmart and Sams. Just a week ago but by GE who is denying me now. Collections are 3 and 2 years old bit less than a year since paid.

[HYPASS33]

I don't need it so ill just let my accounts age a few and try again.

[specsnow]

Laying low is never a bad idea, but since you already wasted the HP anyway, you should consider calling in and at least trying a recon. You really have nothing to lose.

[09Lexie]

GE does not recon denials. They will tell you to re-apply. It's always a good idea to wait until your cr s have updated before applying so not to waste a HP

[Shogun]

Plus I think they use a proprietary score which wouldn't match your FICO.