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WebBank/Dell Financial Recon

Established Contributor

WebBank/Dell Financial Recon

Sooooo. I apped for Dell Financing last wee, and was shot down. Which sort of amazed me...Fast Forward to today, I recieved my denial letter, I was denied for;

 

1.) Too many inquiries in last 12 months

2.) Too many TL's opened in last 6 months; Barclay, Amex, and one other.

3.) Total amount of credit lines is too small, as in my credit lines aren't big enough.Smiley Mad Seriously?! **bleep**

 

So I figured I will call and recon tomorrow since I am a Del kinda guy....anyone have any success reconning with them? They also don't use FICO, their scale is 200-900....and pulled EX. On which I have no baddies, or anything. Just inquiries.

 

Ugh.

Message 1 of 15
14 REPLIES
Valued Contributor

Re: WebBank/Dell Financial Recon

Why not? Tell them you have a Dell purchase incoming.

 

Are you buying laptop? If you are buying dekstop please build your own computer. You get a lot more out of your dollar with DIY than Dell.

Message 2 of 15
Established Contributor

Re: WebBank/Dell Financial Recon


trumpet-205 wrote:

Why not? Tell them you have a Dell purchase incoming.

 

Are you buying laptop? If you are buying dekstop please build your own computer. You get a lot more out of your dollar with DIY than Dell.


Yes, I was in need of a laptop immediately for school, since we just started Spring quarter, I instead purchased a Dell XPS system that I have 30 days to return to Amazon no questions asked. So I guess I was just wondering how they are with Recons, or if there is someone they could be compared to when it comes to recons, such as Barclays, Chase, etc.

Message 3 of 15
Valued Contributor

Re: WebBank/Dell Financial Recon

If Dell won't play ball you could try for Barclay and go with a Mac.  You can dual boot those with Windows easily.  Won't be as cheap but a much better built notebook.(I say that as I am typing this on a Dell notebook!)

Message 4 of 15
Established Contributor

Re: WebBank/Dell Financial Recon

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.

Message 5 of 15
Senior Contributor

Re: WebBank/Dell Financial Recon

Probably no one here has done that. I haven't read any posts on Dell financing. It's only been mentioned in passing a couple of times. You have nothing to lose by calling. Just be sure when you talk to them that you confirm they're not going to do a second HP --- or that they tell you if they are.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 6 of 15
Mega Contributor

Re: WebBank/Dell Financial Recon


logan_720 wrote:

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.


Have you called for the recon yet?




EQ FICO 548 3/3/16
Message 7 of 15
Established Contributor

Re: WebBank/Dell Financial Recon


LS2982 wrote:

logan_720 wrote:

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.


Have you called for the recon yet?


Noooope. I figure I will on Monday. 

Message 8 of 15
Established Contributor

Re: WebBank/Dell Financial Recon

I look forward to reading about how it works out for you.  I tried a BML from Webbank through another computer company on 4/2 and wasn't approved (I assume because it forwarded me back to the site and said it couldn't be accessed, but I still have the inquiry on my CR) and would love to try and recon it if possible once I get my explanation letter.

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 9 of 15
Established Contributor

Re: WebBank/Dell Financial Recon

It just annoys me because the reasons of denial are a joke. As if I could control my credit limits on my cards...anyway, I'll call monday and update you all.

Message 10 of 15