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Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: cli drop!!

If none of those apply to you then definitely call in ASAP.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: cli drop!!

+1

Valued Contributor
kevinjjc
Posts: 1,315
Registered: ‎01-14-2009
0

Re: cli drop!!

Tran92, please let us know what happened. Don't leave us hanging! :smileylol:

Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: cli drop!!

Guys, some people, apparently not me, have a life and don't spend every waking moment on here. Give it some time.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Valued Contributor
kevinjjc
Posts: 1,315
Registered: ‎01-14-2009
0

Re: cli drop!!

We are just bumping his thread as a courtesy! :smileylol:

Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: cli drop!!

Thanks for all the curiosity, but the problem now is that I already closed the account out of frustration from not getting any answers from any of the underwriters at the time. I regret doing that. Is there anyway to reopen a closed account? I plan on calling them tomorrow.
TU 746 (10/13)
GOAL: 750+






Epic Contributor
Creditaddict
Posts: 20,028
Registered: ‎10-23-2007
0

Re: cli drop!!


Tran92 wrote:
Thanks for all the curiosity, but the problem now is that I already closed the account out of frustration from not getting any answers from any of the underwriters at the time. I regret doing that. Is there anyway to reopen a closed account? I plan on calling them tomorrow.

I think... but actually that might be me thinking of HSBC that re-opened my Best Buy MC after I got mad and closed.

Take this oppurtunity to go to transunion.com/dispute and that will get you into ordering your report, and order it for free "because you have had negative actions on an account recently" make sure it all looks good, wait 30 days and then apply again or get a hold of underwriting and see if they can fix now without having to re-apply.

Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
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: Express $300
Over 45 Cards in between :smileytongue:
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: cli drop!!


Creditaddict wrote:

Tran92 wrote:
Thanks for all the curiosity, but the problem now is that I already closed the account out of frustration from not getting any answers from any of the underwriters at the time. I regret doing that. Is there anyway to reopen a closed account? I plan on calling them tomorrow.

I think... but actually that might be me thinking of HSBC that re-opened my Best Buy MC after I got mad and closed.

Take this oppurtunity to go to transunion.com/dispute and that will get you into ordering your report, and order it for free "because you have had negative actions on an account recently" make sure it all looks good, wait 30 days and then apply again or get a hold of underwriting and see if they can fix now without having to re-apply.


I just checked my TU report and it is all clean. Should I tell them that I would like to reopen the account or bring up the letter I got from the mail first?

TU 746 (10/13)
GOAL: 750+






Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: cli drop!!

I gave the underwriter a call. The man I spoke with was sincere. He told me he was sorry for what happened to my account (false accusations). I asked if there was anyway to reopen my account. He put me on hold for 5-10 mins to speak with a supervisor at customer service. Unfortunately, he came back to inform me that after talking with the supervisor they were not able to find any loop holes to reinstate my account. The only way is to reapply which I am not so tempted to do. I think I will garden longer until the time comes that I will actually need the card for financing. It's been a great experience. Never close an account while frustrated! Thank you all for your time.
TU 746 (10/13)
GOAL: 750+







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