Sallie Mae

[TeamPunishment]

Declined, called to recon declined. too many inquiries within 2 years, should I call again to give it another shot?

[mongstradamus]

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@TeamPunishment wrote:

Declined, called to recon declined. too many inquiries within 2 years, should I call again to give it another shot?

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I am just curious how many inqs did you have within two year when you applied I am thinking of applying for that same card but i have 6 inq and none are going to be falling off before i want to apply. They will reach one year anniversaries , but will still be on credit report. 

[-NewGuy-]

It can't hurt since you've already taken the HP. It would be best if you could explain them. How many are there?

[TeamPunishment]

12 over the course of 2 years, 4 within 6 months

[mongstradamus]

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@TeamPunishment wrote:

12 over the course of 2 years, 4 within 6 months

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hmmm i have 6 all within last year. I am pretty wary now. I would be very disappointed if i was denied for too many recent credit cards. I don't really know what the defintion of too many recently opened accounts means . 

[-NewGuy-]

Any way to explain them to the person that picks up the phone? Auto loan, CLIs, or something?

[B335is]

You will need a very convincing argument to get the next analyst to overturn the denial. They track those calls and typically (not always) stand by the first decision.

[Themanwhocan]

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@B335is wrote:
You will need a very convincing argument to get the next analyst to overturn the denial. They track those calls and typically (not always) stand by the first decision.

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And they will hard pull another credit report.

[lg8302ch]

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@TeamPunishment wrote:

12 over the course of 2 years, 4 within 6 months

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Are we talking on TU only or on all 3 CRAs? I am curious as I am getting ready to apply early June as well for SM.

[dodgerslv]

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@TeamPunishment wrote:

Declined, called to recon declined. too many inquiries within 2 years, should I call again to give it another shot?

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how long have you had your Arrival? Also, 4 INQs in 6 months may be a little too many for them (if they are all on TU), if you have a high utilization, many recently opened accounts, short AAoA/thin file then those INQs may have been a played more in their decision. You can always give it one more shot but like it was said, they may HP you again.