02-28-2013 10:16 AM - edited 02-28-2013 10:18 AM
Declined initially on 2-22-2013; called for reconsideration today... if there's one thing that this forum has taught me... persistence and DON'T take "NO" for an answer.
So, after thinking and saying, nah... I called today. Lady came back and said, "No... you have two active collections." I said, "No, I don't." She says the report says... I said, it's wrong, I paid them off about thirty days ago [...edit... were from 2008 and 2009 -- paid so I can tell a home underwriter see there paid]. So, I fax them in... and "waiting is way overrated -- to whomever has that in the siggy line." Called in ten minutes later, they searched the fax que, found them, I said... I'm not a credit risk. They gave me a$2,000.00 initial CL. I'll take it. NFCU and Chase are two cards I like having.
I will not give up my Barclay's though; they re-established me after my horrible youth... I feel like I owe them my loyalty for awhile. Now... just to get to Amex.
Keep fighting the good fight; as I told the recon line... I don't always watch the football game, sometimes I play even if I'm not invited.
02-28-2013 10:42 AM
Persistence breaks resistance. Good work.
02-28-2013 10:56 AM
That is AWESOME! Nice work!
02-28-2013 11:54 AM
02-28-2013 12:15 PM
Thanks to everyone. Really, I only posted to keep others encouraged.
02-28-2013 12:22 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.