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Established Member
brittany15213
Posts: 29
Registered: ‎02-21-2013

Should I recon???

I applied for two cards before I went to the garden that I was denied for, BofA cash rewards and Discover IT. I dont know if I would have a good chance at a recon I have missed payments with both of those companies back from 2009 Discover was closed and BofA is still open but it is a Student Card. I would like to get back on with both of the companies in good standing I dont know if my recon would be more successful considering I have had an account with them before. Only other baddie I have is a paid collection from 09. My scores are current below. I cant remember but I think my denial letter said to many recent inquiries but nothing about bad remarks...TIA!


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Moderator
09Lexie
Posts: 22,404
Registered: ‎09-13-2012

Re: Should I recon???

It doesn't hurt to try. You already took the HP.

Good luck.
Frequent Contributor
Chris123nTx
Posts: 464
Registered: ‎05-11-2007

Re: Should I recon???

My opinion, the missed payments may make it tougher, but you already took the inquiry, so it cant hurt to call and explain your current situation. As long as they do not try to do another inquiry on you, you have nothing to lose by trying.
Community Leader
Valued Contributor
myjourney
Posts: 23,517
Registered: ‎02-07-2013

Re: Should I recon???


09Lexie wrote:
It doesn't hurt to try. You already took the HP.

Good luck.

+1 

You will never know unless you try...always always always recon you've already paid the price!

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Valued Contributor
boomhower
Posts: 1,862
Registered: ‎09-20-2011

Re: Should I recon???

You've got nothing to lose, you've already taken the hit.  I think your chances are better with Discover than BOA though.  As long as you paid back Discover and it wasn't charged off I think you have a decent shot.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Should I recon???


boomhower wrote:

You've got nothing to lose, you've already taken the hit.  I think your chances are better with Discover than BOA though.  As long as you paid back Discover and it wasn't charged off I think you have a decent shot.


I agree I would give it a shot, Good luck!!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
agent_bob
Posts: 47
Registered: ‎02-22-2013

Re: Should I recon???

like everyone prior to me has said, recon! you have lots to gain if all goes well.
let us know how it goes!
how to cancel free trial of score watch
Discover IT - $2500 (3/13) | Chase Freedom - $400 (12/12) | BofA 123 Cash - $3800 (10/10)
Established Member
brittany15213
Posts: 29
Registered: ‎02-21-2013

Re: Should I recon???

I did the recon on both yesterday was still denied :smileysad: I will reapply in 6 months after spending my current BofA card a little bit to show them I am responsible with it. It was currently paid off so I havent had a chance to spend it yet. BofA senior credit analyst asked me a lot of questions wanting me to explain my credit report to him but I guess my answers werent good enough and the discover person just asked me about income and said I was denied again but I didnt get an inquiry so idk...better luck next time


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Valued Contributor
boomhower
Posts: 1,862
Registered: ‎09-20-2011

Re: Should I recon???

You didn't get an INQ at all from Discover?  If so it sounds like you are blacklisted, and that's not easy with Discover.  I'd find you old paperwork and verify it was paid off with them.

Established Member
brittany15213
Posts: 29
Registered: ‎02-21-2013

Re: Should I recon???

I got an inquiry the first time I applied. I only missed three payments with them they closed the card but I still have online access to the account and it says $0


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later

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