05-29-2013 06:25 AM
Ok. I've recently (over the past few months) pursued, attempted, pitched, blabbed, etc..etc.. to recon with a few recent denials, from which I've proven to myself that both Citi, and Chase will never have anything to do with me ever, ever, ever again...
Discover forgave me after nearly twelve years, but the one I'm really waiting on is Barclays...I decided to test the waters (13 yrs later), and apped on the 24th. It's still pending (seven to ten day notice still up as of this morning).
Place your bets!! Place your bets!!
I'm not going to rush it. I'll wait for the churn out from the computer/underwriter, then recon if needed.
05-29-2013 06:34 AM
You'll get there. I went on a 10-yr credit hiatus for most of that time and didn't try again until 2007. I had FICOs in the 500s with a report full of baddies and no CCs when I did try with Discover and it was no wonder I was denied. But they never referenced my blacklist. I focused on repair and tried again in 2009 and was approved.
05-29-2013 06:39 AM
Most baddies are forgiven with time I think.
I burnt BOA pretty bad between 2006-2007. I was told that they could never give me a card. I worked on my credit and got my scores up. Fast forward to early 2012, applied for the BOA 123 privileges and got instant approval with a $15K CL then.
CITI on the other hand, I have never had a card with them nor any other products. Applied 3 times, always denied.
05-29-2013 06:43 AM
Toes crossed for you.
05-29-2013 06:44 AM
BOA, and Discover have forgiven me (short leash I'm sure, with the AR's I'm seeing), but Citi/Chase will most likely be at the 15+ for me. Those are the two that slam the door outright.
05-29-2013 09:36 AM
have you tried calling recon about your barclays app yet?
best of luck keep us updated!
For Chase, I think you could always call in to recon and ask. A few people eventually got approved despite burning them before, but its a YMMV situation.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.