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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011
0

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: 15,434
Registered: ‎04-09-2011
0

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 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
Established Contributor
westo12
Posts: 581
Registered: ‎07-20-2008
0

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??

2014 Starting-618, current TU612 (TU 10/6) / Ending Goal score: 720 / 27 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 12011/23382=51%util

**IN the garden until I get some auto CLI's on major accts**
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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 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
Established Contributor
westo12
Posts: 581
Registered: ‎07-20-2008
0

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?

2014 Starting-618, current TU612 (TU 10/6) / Ending Goal score: 720 / 27 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 12011/23382=51%util

**IN the garden until I get some auto CLI's on major accts**
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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 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
Established Contributor
westo12
Posts: 581
Registered: ‎07-20-2008
0

Re: time ot call recon

Chase freedom
2014 Starting-618, current TU612 (TU 10/6) / Ending Goal score: 720 / 27 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 12011/23382=51%util

**IN the garden until I get some auto CLI's on major accts**

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