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New Contributor
Commandolam
Posts: 74
Registered: ‎03-07-2013

"Presence of Delinquency"

Hey guys, 

 

I got denied for the Sallie Mae Rewards card a week or 2 back and I finally got the denial letter with my score and the reasons why I was declined.  Among one of the reasons was "presence of delinquency".  I was almost positive my credit history was spotless so I used the free report that comes with a denial to see what the delinquency was.  According the report agency pulled, Experian, I have 0 "potentially negative" items in my report and no cards were paid late at any time.

 

What could the delinquency possibly be?  Or is this just a computer mistake?

Age: 20 | AAoA: 1.1 Years | TU Fico: 725 | EX Fico: 719 | EQ Fico: 693
Last App: 12/09/2013
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: "Presence of Delinquency"


Commandolam wrote:

Hey guys, 

 

I got denied for the Sallie Mae Rewards card a week or 2 back and I finally got the denial letter with my score and the reasons why I was declined.  Among one of the reasons was "presence of delinquency".  I was almost positive my credit history was spotless so I used the free report that comes with a denial to see what the delinquency was.  According the report agency pulled, Experian, I have 0 "potentially negative" items in my report and no cards were paid late at any time.

 

What could the delinquency possibly be?  Or is this just a computer mistake?


RECON!!!

 

866-408-4064

 

Barclays is very good with recon and it looks like its an error that caused the denial. Good luck!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012

Re: "Presence of Delinquency"

+1

*8/10/13

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