Reply
Frequent Contributor
Posts: 420
Registered: ‎01-14-2009
0

Re: UGH... tried for a barclay bank card

"Then she said that also because the BK is still there,  I wouldn't be eligible until it dropped off."

 

 I applied for a Juniper card in Feb. 09 and was denied for BK. Called for recon, no go! They said they wanted to see more post-BK rebuilding. Of course they didn't say for how long.

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Epic Contributor
Posts: 23,815
Registered: ‎10-23-2007
0

Re: UGH... tried for a barclay bank card

 


pazuzu wrote:

"Then she said that also because the BK is still there,  I wouldn't be eligible until it dropped off."

 

 I applied for a Juniper card in Feb. 09 and was denied for BK. Called for recon, no go! They said they wanted to see more post-BK rebuilding. Of course they didn't say for how long.

 


I believe it is one year unless you have not done any rebuilding since then, then they will want more time.

 

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
Regular Contributor
Posts: 176
Registered: ‎08-21-2010
0

Re: UGH... tried for a barclay bank card

I applied for this card yesterday too and was denied.  Reasons given were utilization too high and high number of inquiries (which is not true).  I only have 3 inquires (2 in July and 1 in August).  I'll just give up on this card because I was denied twice in the past also.  I applied for the OfficeMax Visa and was approved for $2k, no annual fee.


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Established Contributor
Posts: 526
Registered: ‎04-21-2010
0

Re: UGH... tried for a barclay bank card


crazysxycool wrote:

I applied for this card yesterday too and was denied.  Reasons given were utilization too high and high number of inquiries (which is not true).  I only have 3 inquires (2 in July and 1 in August).  I'll just give up on this card because I was denied twice in the past also.  I applied for the OfficeMax Visa and was approved for $2k, no annual fee.


crazysxycool is you were denied try the backdoor number. You already took the hit for the inq. Might as well give it a try. There great about recons.

Regular Contributor
Posts: 176
Registered: ‎08-21-2010
0

Re: UGH... tried for a barclay bank card


mross1080 wrote:

crazysxycool wrote:

I applied for this card yesterday too and was denied.  Reasons given were utilization too high and high number of inquiries (which is not true).  I only have 3 inquires (2 in July and 1 in August).  I'll just give up on this card because I was denied twice in the past also.  I applied for the OfficeMax Visa and was approved for $2k, no annual fee.


crazysxycool is you were denied try the backdoor number. You already took the hit for the inq. Might as well give it a try. There great about recons.


Yeah I called them via the backdoor number and they basically told me the same thing.  That'd like to see my balances come down while not using the cards.


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Established Contributor
Posts: 526
Registered: ‎04-21-2010
0

Re: UGH... tried for a barclay bank card


crazysxycool wrote:

mross1080 wrote:

crazysxycool wrote:

I applied for this card yesterday too and was denied.  Reasons given were utilization too high and high number of inquiries (which is not true).  I only have 3 inquires (2 in July and 1 in August).  I'll just give up on this card because I was denied twice in the past also.  I applied for the OfficeMax Visa and was approved for $2k, no annual fee.


crazysxycool is you were denied try the backdoor number. You already took the hit for the inq. Might as well give it a try. There great about recons.


Yeah I called them via the backdoor number and they basically told me the same thing.  That'd like to see my balances come down while not using the cards.


Sorry, Congrats on the Officemax Visa though!

Regular Contributor
Posts: 176
Registered: ‎08-21-2010
0

Re: UGH... tried for a barclay bank card


mross1080 wrote:

crazysxycool wrote:

mross1080 wrote:

crazysxycool wrote:

I applied for this card yesterday too and was denied.  Reasons given were utilization too high and high number of inquiries (which is not true).  I only have 3 inquires (2 in July and 1 in August).  I'll just give up on this card because I was denied twice in the past also.  I applied for the OfficeMax Visa and was approved for $2k, no annual fee.


crazysxycool is you were denied try the backdoor number. You already took the hit for the inq. Might as well give it a try. There great about recons.


Yeah I called them via the backdoor number and they basically told me the same thing.  That'd like to see my balances come down while not using the cards.


Sorry, Congrats on the Officemax Visa though!


 

Thank you MRoss. 

 


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
Established Member
Posts: 31
Registered: ‎06-13-2010
0

Re: UGH... tried for a barclay bank card

Thanks for sharing all this information.

 

So basically, with the Barclays you have to have 6 months to 1 year of credit building before applying  with no to low inquiries. And if you go through the backdoor number they use EX instead of TU.     I think that I may just wait until the BK falls off considering they don't like it on there but that won't happen until 2013 :smileysad: 

 

The part thats making me a little crazy is that I'm really doing everything right.  No credit since the BK which was in 2003.  I've cleaned up my reports (several times since they mix mine up constantly ...ugh!)  no baddies since my BK, job with a good  salary...  and its really just frustrating.  My scores are actually quite decent the last time I checked.   

 

It just goes to show how important it is( especially these days ) to keep your credit clean. 

 

Thanks for that list of credit unions.  My town dosen't have any that I can go to but I can go to another town thats close by. 

 

-CPP

Established Contributor
Posts: 526
Registered: ‎04-21-2010
0

Re: UGH... tried for a barclay bank card

Well from my recent experience they only pulled TU on recon. Checked reports and EX is frozen. I also have north of 20 inqs on TU. 3 from the last month. 1 from GEMB 2 from a new car loan.

Regular Contributor
Posts: 176
Registered: ‎08-21-2010
0

Re: UGH... tried for a barclay bank card


mross1080 wrote:

Well from my recent experience they only pulled TU on recon. Checked reports and EX is frozen. I also have north of 20 inqs on TU. 3 from the last month. 1 from GEMB 2 from a new car loan.


Hi MRoss - I saw in another thread of yours you used a different number when you recon for this card.  I used 866-408-4064(credit analyst) and you used 866-750-6031(corp offices).  Do you think it made a difference in which number was called?  If so, I might call the number you used and see if that works.

Wy


Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)


Take the FICO Fitness Challenge
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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.