Reply
New Contributor
NyaBuksh
Posts: 68
Registered: ‎04-04-2013
0

SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

I applied for the SDFCU Visa and was declined due to my Experian being at 628, recent inquiries and "escalating debt". So after reading some posts, I found out that recon letter is the way to go. So this morning, I sent an email explaining my situation. Let's see what happens!

 

Are there any SDFCU members here who got approved with 628 Exp?

 

 

Thanks!

| NFCU Flagship $7,000 | NFCU nRewards $8,500 | NFCU cashRewards $8,500 | NFCU NavChek $7,000 | Chase Ink Bold $7,500 | MECU $1,000 | CapOne Spark $650 | CapOne Platinum $500 | Bloomigdale's $800 | Macy's $300 | QVC $700 | Lowes $800 | Banana Republic $400 | Walmart $700 | Paypal SmartConnect $600 | TJMaxx $500 | Shell $500 | Apple Visa $1,200 | ExonMobil $500 | Chevron Texaco $500 |

Starting: 550 FICO (October 2012)
Current: 668 EXP, 701 EQ, 668 TU (USAA)
Valued Contributor
lhcole77
Posts: 1,464
Registered: ‎09-18-2012
0

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter


NyaBuksh wrote:

I applied for the SDFCU Visa and was declined due to my Experian being at 628, recent inquiries and "escalating debt". So after reading some posts, I found out that recon letter is the way to go. So this morning, I sent an email explaining my situation. Let's see what happens!

 

Are there any SDFCU members here who got approved with 628 Exp?

 

 

Thanks!


What was the outcome of your recon letter?

Regular Contributor
Guyatthebeach
Posts: 218
Registered: ‎09-04-2012
0

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

NyaBuksh,

 

I was denied with a 680 E FICO  score. I sent an email to recon and followed with a phone call to Lending Solutions. SDFCU asked for a months worth of pay stubs. About a week after I emailed my pay stubs, I was approved but only at 8.9%. I'm not complaining because this card is the lowest APR card I have.

 

So far I really enjoy this credit union.

Valued Contributor
lhcole77
Posts: 1,464
Registered: ‎09-18-2012
0

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

What CL were you given (if you don't mind me asking)?
Regular Contributor
Guyatthebeach
Posts: 218
Registered: ‎09-04-2012
0

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

My credit limit is $1000.00.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}