09-04-2012 09:20 AM
09-04-2012 09:26 AM
In all honesty those scores are quite low, and if they pulled TU (most likely), that is not even borderline. You can always try to recon and explain away the baddies.
09-04-2012 09:36 AM
Do you have any baddies with GEMB or GECRB?
09-04-2012 10:00 AM
09-04-2012 10:03 AM - edited 09-04-2012 10:07 AM
Okay I asked because before I managed to GW some GEMB lates I was unable to get any GE-backed cards. You should wait until your TU is > 630 and re-app. Recons are few and far between with GE - it seems they are almost completely computerized in their decisions. Wait for the letter and let us know what the denial reasons are.
EDIT: Recon = Reconsideration. Exactly what it sounds like. You ask an underwriter to review your application. Sometimes the computers deny what a human would approve.
09-04-2012 10:05 AM
Try to recon using the backdoor number. This way you will have an actual person looking at your CR and not an automated system. It's worth a try.
09-04-2012 10:09 AM
How can I get the backdoor #?
From us. 877-294-7548 or 877-294-8770
09-04-2012 10:35 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.