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Should I Recon a 2nd time??

Regular Contributor

Should I Recon a 2nd time??

I got declined for a Barclay's reward cc & got declined =(, to high balances & low credit limits.  I called to recon & told them I just paid 1/2 down this week & it didn't show up on the report they pulled.  The analyst said he could'nt do anything at this time & that I would have to apply in 3 months, Boo!! Should I recon again? what are my chances??


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


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Message 1 of 10
9 REPLIES
Senior Contributor

Re: Should I Recon a 2nd time??


getahead wrote:

I got declined for a Barclay's reward cc & got declined =(, to high balances & low credit limits.  I called to recon & told them I just paid 1/2 down this week & it didn't show up on the report they pulled.  The analyst said he could'nt do anything at this time & that I would have to apply in 3 months, Boo!! Should I recon again? what are my chances??



Thats odd,  I just told them my cc are just usually high during the holiday periods...but mine was for the apple card

Message 2 of 10
Regular Contributor

Re: Should I Recon a 2nd time??

I know right, I told him the same thing that I recently made purchases for xmas gifts but just paid off 1/2 off, do you think I should recon again?


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


Take the FICO Fitness Challenge
Message 3 of 10
Contributor

Re: Should I Recon a 2nd time??

Whats your scores look like ? Util and limits ? Im also going to be apping  soon .


Starting Score: EQ 729 TU 727
Current Score: Ex (AMEX) 765 EQ 734 TU 736
Goal Score: 780+


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Message 4 of 10
Senior Contributor

Re: Should I Recon a 2nd time??

I would try again

Message 5 of 10
Regular Contributor

Re: Should I Recon a 2nd time??

Hi Allpro, they pulled TU & my score was 641, my util with the recent payments it about 30%.


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


Take the FICO Fitness Challenge
Message 6 of 10
Regular Contributor

Re: Should I Recon a 2nd time??

any words of wisdom? should I try a different approach?


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


Take the FICO Fitness Challenge
Message 7 of 10
Established Contributor

Re: Should I Recon a 2nd time??

I would call again.  There's been many instances where people have needed to call two or three times to over turn a decision.

 

Barclays seems to be very reasonable, just give them a call and keep us posted Smiley Happy   (make use of that inquiry!!!!)

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 8 of 10
Valued Contributor

Re: Should I Recon a 2nd time??

Your score is 640 AFTER you paid them down?  What else on your report is keeping your score down?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 9 of 10
Regular Contributor

Re: Should I Recon a 2nd time??

Hi Clocktick,

 

my score of 640 is before I paid them down, just paid it on Monday of this week, so I'm going to do another credit pull next month, hopefully this will boost it up.


Starting Score: 580
Current Score: Fico EQ-679, Fico TU-670, EX Plus-713, TU Walmart-697, CreditKarma-690
Goal Score: 700 Club


Take the FICO Fitness Challenge
Message 10 of 10