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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!
@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?
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.