Reply
Regular Contributor
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
Posts: 15,442
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
Posts: 586
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??

Filed Chap 7 4/24/15, 341 hearing 5/29/15
Mega Contributor
Posts: 15,442
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) Smiley Very 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
Posts: 586
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) 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?

Filed Chap 7 4/24/15, 341 hearing 5/29/15
Mega Contributor
Posts: 15,442
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) 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??

 




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
Posts: 586
Registered: ‎07-20-2008
0

Re: time ot call recon

Chase freedom
Filed Chap 7 4/24/15, 341 hearing 5/29/15
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.