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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

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?

Mega Contributor
LS2982
Posts: 14,365
Registered: ‎04-09-2011

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.

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
Frequent Contributor
westo12
Posts: 495
Registered: ‎07-20-2008

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??

2013 Starting: 593 Scores: 617 (EQfico) 658 (EXvant) 640 (TUfico) | Goal scores: 700 - 19 pos TL's / 5 baddies (1 pd) / 40% reported util
My Wallet: BofA 3k | Kay's 2k | Discover/AU 1.5k | Walmart 1k | Emblem 809 | Amazon Store 700 | Paypal BML 600 | Citi/Goodyear 500 | Chase 500 | FPB 425 | Capital One 320 | Target 300 | Capital One 300 | FPB 300
Mega Contributor
LS2982
Posts: 14,365
Registered: ‎04-09-2011

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) :smileyvery-happy:

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
Frequent Contributor
westo12
Posts: 495
Registered: ‎07-20-2008

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) :smileyvery-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?

2013 Starting: 593 Scores: 617 (EQfico) 658 (EXvant) 640 (TUfico) | Goal scores: 700 - 19 pos TL's / 5 baddies (1 pd) / 40% reported util
My Wallet: BofA 3k | Kay's 2k | Discover/AU 1.5k | Walmart 1k | Emblem 809 | Amazon Store 700 | Paypal BML 600 | Citi/Goodyear 500 | Chase 500 | FPB 425 | Capital One 320 | Target 300 | Capital One 300 | FPB 300
Mega Contributor
LS2982
Posts: 14,365
Registered: ‎04-09-2011

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) :smileyvery-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??

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
Frequent Contributor
westo12
Posts: 495
Registered: ‎07-20-2008

Re: time ot call recon

Chase freedom
2013 Starting: 593 Scores: 617 (EQfico) 658 (EXvant) 640 (TUfico) | Goal scores: 700 - 19 pos TL's / 5 baddies (1 pd) / 40% reported util
My Wallet: BofA 3k | Kay's 2k | Discover/AU 1.5k | Walmart 1k | Emblem 809 | Amazon Store 700 | Paypal BML 600 | Citi/Goodyear 500 | Chase 500 | FPB 425 | Capital One 320 | Target 300 | Capital One 300 | FPB 300

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