05-12-2013 12:42 AM
05-15-2013 07:10 AM
I just got the letter from GE/Lowes saying my TU score was 595! I pulled Myfico and its 659!!
Should I try back door to get approved on this one??
The (GECRB) TU score that was based to make their decision is an internal one (reference the range used). Unfortunately, I don't think this one will fly. You can always try but there's very few anectodal successes in overturning the original declined decision. If your CR was a lot cleaner, you would have more leverage.
05-15-2013 07:11 AM
The denial is probably a sign to tell you to garden what you have with GE. Depending on your credit profile will determine how long you should wait. A longer AAOA, thicker file can app quicker. Short, thin files at least 6 mos. because you are trying to open multiple accounts with the same lender - I would suggest you wait until after your successful auto CLI at the very earliest
And this, which has been previously suggested.