I am writing requesting reconsideration of the denial of my recent xxxxxx card application.
It appears I was denied after you pulled my CRA HERE report. While the letter I received did not include specific reasons as to why I was denied, I would still like to go over the potentially negative information on my report.
I do have high credit inquiries at this time. Most of these are due to a mortgage and auto lender shopping me around without my permission.
I also do indeed have high utilization reporting at this time. This was due to helping a family member in need. I recently paid off my credit cards, and I expect my report to reflect these changes within 30 days.
One Collection Account
KDM wrote:I shared your suggestions with a coworker who was just denied for a cc. Do you just send your recon letter to the address on your denial letter? How does PFB work?
girlie wrote:I am currently obsessed with my fico scores and this board has such great information.thank you!