I left the garden... For a Belk denial!

[joshuapd1987]

I'm weak.

After getting my Amex cards, freedom, and Discover It in June... I was so ready to garden. But 30% off my 350.00 Belk purchase was too hard to turn down!

The cashier had to call in my application and the rep on the phone gave me a 5-7 day message. :-/

Maybe too many Inquiries too soon...? :-/ so sad. Any one have luck with Belk recon? Hate to waste a HP.

[improvingmycredit]

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@joshuapd1987 wrote:
I'm weak.

After getting my Amex cards, freedom, and Discover It in June... I was so ready to garden. But 30% off my 350.00 Belk purchase was too hard to turn down!

The cashier had to call in my application and the rep on the phone gave me a 5-7 day message. :-/

Maybe too many Inquiries too soon...? :-/ so sad. Any one have luck with Belk recon? Hate to waste a HP.

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Hey joshuapd1987!

If you have a Freeze on your TU report, this is likely the reason for the denial.  If you unlock it and call the backdoor number, you will be approved I'm pretty sure.

At least if you don't have any baddies.  What's your TU FICO?   Belk is backed by GE=TU puller.  

[Creditaddict]

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@joshuapd1987 wrote:
I'm weak.

After getting my Amex cards, freedom, and Discover It in June... I was so ready to garden. But 30% off my 350.00 Belk purchase was too hard to turn down!

The cashier had to call in my application and the rep on the phone gave me a 5-7 day message. :-/

Maybe too many Inquiries too soon...? :-/ so sad. Any one have luck with Belk recon? Hate to waste a HP.

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Comenity no?... they dislike BK... not sure what else... they are pretty easy i thought beside the bk's and past baddies with comenity.

[FinStar]

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@Creditaddict wrote:

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@joshuapd1987 wrote:
I'm weak.

After getting my Amex cards, freedom, and Discover It in June... I was so ready to garden. But 30% off my 350.00 Belk purchase was too hard to turn down!

The cashier had to call in my application and the rep on the phone gave me a 5-7 day message. :-/

Maybe too many Inquiries too soon...? :-/ so sad. Any one have luck with Belk recon? Hate to waste a HP.

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Comenity no?... they dislike BK... not sure what else... they are pretty easy i thought beside the bk's and past baddies with comenity.

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The Belk's Reward card is issued by GECRB, not Comenity.

[Creditaddict]

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@Creditaddict wrote:

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@joshuapd1987 wrote:
I'm weak.

After getting my Amex cards, freedom, and Discover It in June... I was so ready to garden. But 30% off my 350.00 Belk purchase was too hard to turn down!

The cashier had to call in my application and the rep on the phone gave me a 5-7 day message. :-/

Maybe too many Inquiries too soon...? :-/ so sad. Any one have luck with Belk recon? Hate to waste a HP.

---

Comenity no?... they dislike BK... not sure what else... they are pretty easy i thought beside the bk's and past baddies with comenity.

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oh sorry, see other poster say GE backer now... you have Walmart... would think you would be good for Belk! Id recon that for sure.

[trying_to_B_good]

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@Creditaddict wrote:

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@Creditaddict wrote:

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@joshuapd1987 wrote:
I'm weak.

After getting my Amex cards, freedom, and Discover It in June... I was so ready to garden. But 30% off my 350.00 Belk purchase was too hard to turn down!

The cashier had to call in my application and the rep on the phone gave me a 5-7 day message. :-/

Maybe too many Inquiries too soon...? :-/ so sad. Any one have luck with Belk recon? Hate to waste a HP.

---

Comenity no?... they dislike BK... not sure what else... they are pretty easy i thought beside the bk's and past baddies with comenity.

---

oh sorry, see other poster say GE backer now... you have Walmart... would think you would be good for Belk! Id recon that for sure.

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RECON FOR SURE....BUT PLAY IT COOL AND NICE!

[joshuapd1987]

Thanks guys!!

Improving - I think I had it unfrozen - but good point!

And I do have Walmart I tried a 30 day credit solutions CLI and was declined - and I didn't realize until after that my statement closed with a 40% util. Already paid it back to zero - so hope that makes recon easier.

No BK - and other than a few new cards my EQ and EX are clean! :-/

[RaiseMyScoreASAP]

TransUnion wil lie to you and tell you that there is no fraud alert on your card and no security freeze and that the account is unlocked. Even if you unlock your account through TU and remove any fraud alerts or credit freezes, TU only reports to FICO once a month. So you could have unfrozen the account through TU but it could still be locked on your FICO report. I have been going through literally two months of daily calls to TU to get a fraud alert and security freezes removed that I did not request. The worst part about it is that TU also reports those freezes and alerts to Experian and Equifax. Then you have to go through the same crap to get those removed. With 2 months of trying I still have fraud alerts on my accounts. The credit bureaus suck. I also have to say that when you do reach an American call center those are the people who are the rudest.