03-23-2009 03:50 PM
Well i applied for Chase last week and got my letter in the mail today they denied me due to
"To many recent requests for credit or reviews of your credit."
They pulled EQ on me . Myfico scorewatch currently says i have 21 inquiries on my report . Alot of them are from buying a house and a car in Sept and Nov.
Should i try to call them and explain that ? My TU only has 5 on it . Would they pull that one instead? Or should i just chalk it up and forget about it. I have no baddies . My AAOA is right at a year . and utility is right around 10 percent if not less .
Thanks for reading and any suggestions are really appreciated!
03-23-2009 04:42 PM
03-23-2009 04:44 PM
I def do a recon! Chase is pretty easy on them... There's another thread right below this with the same question. Check out my answer there for more info.
03-23-2009 04:51 PM
Thank you to both of you for your advice . I did see that other thread after i posted mine but i didnt want to hijack his thread.
I assume its better to call the back door number during normal business hours and not at night and such ?
This will be my first time trying to Rcon an application But would really like to toss the orchard bank card i have (AF $39)
03-24-2009 08:11 AM
Well i tried . They still said No .
Too many accounts being opened . She even asked me if i had a Bankrupcty because my report shows a closed account in 1999 and then nothing credit wise until april of last year . (10 yrs?) She was real nice and i tried to explain the situation but she wouldnt budge . That i had no bankruptcy and had gotten divorced and was just paying cash for everything. But being recently getting married , buying a house and a new car and such added a lot of inquiries . 6 yrs on the same job .
8 accounts opened in the past year .
Well i cant say i didnt try!
03-24-2009 08:23 AM
03-24-2009 08:28 AM
Not sure if they have that information or not, probably, but I doubt it matters too much.
This is from a website where people share approval status and such...
"Was denied, then recon twice, second time worked!!"
"Got the 30 day BS, called to recon right after. 2 baddies on EQ, 5 new accounts just hit the 6 month mark, no INQ. RECON these guys! Chase loves a Recon and its easy!"
"on recon,4th time was the charm, kept calling 800 number for recon"
I'd say give it another shot!
03-24-2009 08:32 AM
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.