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time ot call recon

Regular Contributor

time ot call recon

If I apply and get the "need more time..." message. how long do I have to wait to call for the status?

Message 1 of 7
6 REPLIES
Mega Contributor

Re: time ot call recon


kwazziee wrote:

If I apply and get the "need more time..." message. how long do I have to wait to call for the status?


You can call immediately if you have a backdoor number. I always have when I get that message.

 




EQ FICO 548 3/3/16
Message 2 of 7
Established Contributor

Re: time ot call recon

What if the recon is denied, can you recon the recon? lol. If yes, I think I read something about being able to do so within 30 days??

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 3 of 7
Mega Contributor

Re: time ot call recon


westo12 wrote:

What if the recon is denied, can you recon the recon? lol. If yes, I think I read something about being able to do so within 30 days??


You can recon a recon, but some creditors are on this and keep logs of conversations so they'll ask you why you are calling again after you were denied a 1st recon (Chase) Smiley Very Happy

 




EQ FICO 548 3/3/16
Message 4 of 7
Established Contributor

Re: time ot call recon


LS2982 wrote:
You can recon a recon, but some creditors are on this and keep logs of conversations so they'll ask you why you are calling again after you were denied a 1st recon (Chase) Smiley Very Happy

 


I app'd on 9/17 when my score was a lot lower than it is now.  Also, 2 collections that were on then will be deleted in the next couple of days as well.  Plus I paid a cc that was reporting 146% util (was trying to do a bal xfer) in full and will report within the next few days, AND finally, I paid my last 90+ cc balance down to approx 80%.  Figured all those changes were bound to bump my score up at least 20 pts into 660+ territory..

 

Also, Is it true that a hard pull is good for 30 days?  What does that mean exactly?

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 5 of 7
Mega Contributor

Re: time ot call recon


westo12 wrote:

LS2982 wrote:
You can recon a recon, but some creditors are on this and keep logs of conversations so they'll ask you why you are calling again after you were denied a 1st recon (Chase) Smiley Very Happy

 


I app'd on 9/17 when my score was a lot lower than it is now.  Also, 2 collections that were on then will be deleted in the next couple of days as well.  Plus I paid a cc that was reporting 146% util (was trying to do a bal xfer) in full and will report within the next few days, AND finally, I paid my last 90+ cc balance down to approx 80%.  Figured all those changes were bound to bump my score up at least 20 pts into 660+ territory..

 

Also, Is it true that a hard pull is good for 30 days?  What does that mean exactly?


I highly doubt thats true.

 

Who is the creditor you apped with??

 




EQ FICO 548 3/3/16
Message 6 of 7
Highlighted
Established Contributor

Re: time ot call recon

Chase freedom
Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 7 of 7