04-29-2007 10:03 AM
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
05-02-2007 11:39 AM - edited 05-02-2007 11:43 AM
05-02-2007 12:16 PM
05-02-2007 12:21 PM
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?
05-08-2007 11:28 AM
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.