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Yes! Barclay Apple recon approved!

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dirtybird11
Established Member

Yes! Barclay Apple recon approved!

I've been lurking on the forums for a while now. I want to thank everyone for all the knowledge & motivation I have received here. I've been cleaning up my wife's and I credit and we have came a very long way. She's been super thirsty for an ipad so I talked her into apping for a card about two weeks ago. Of course she was denied. The denial letter came last week and the only reason it gave for denial was 'not enough history'. I knew then we had a shot at the recon. After begging her to do a recon all weekend, she finally gave in this morning. She answered a few questions and was approved for $750! Hey, it's not much. But it's enough to get her an ipad and her foot in the door. Once it's paid off, we're asking for a CLI. And of course I will be an AU. Now off to our little garden we go for 6 months. Her TU score is 610. 


Starting Score: EQ Lender pull 597, CK TU 547
Current Score: EQ Lender pull 583, CK TU 596
Goal Score: 650 across the board!

Message 1 of 11
10 REPLIES 10
guiness56
Epic Contributor
Message 2 of 11
DaBears
Senior Contributor

Re: Yes! Barclay Apple recon approved!

Congrats!!! sharing is caring Smiley Tongue

Message 3 of 11
dirtybird11
Established Member

Re: Yes! Barclay Apple recon approved!

Thanks guys!


Starting Score: EQ Lender pull 597, CK TU 547
Current Score: EQ Lender pull 583, CK TU 596
Goal Score: 650 across the board!

Message 4 of 11
ApexdvToo
Regular Contributor

Re: Yes! Barclay Apple recon approved!

Happy Happy! YaY!

Starting Score 4/15/2012:579 Ex-FAKO, 572 Eq-FAKO, 546 TU-FAKO (all were sub-500 in 2011)
FICO as of 3/08/2013: 627 EQ, 647 TU
FAKO as of 3/23/2013: 638 EX, 652 EQ, 648 TU
Goal 1: 600 FICO achieved 10/2012!, Goal 2: 650 FICO Across the Board - Let's take Baby-Steps!
**Amex Optima $1.3k, GE/CareCredit $1k, CapOne Secured $900, Barclaycard Rewards $500, CapOne Rewards $500, Citi/Shell $200**
Seedling Garden Club Member - Last App: 03/18/2013 - Goal: No apps for One Year: 3/18/2014
Message 5 of 11
dirtybird11
Established Member

Re: Yes! Barclay Apple recon approved!

Thanks Apex! I'm going to take a few pointers from your siggy! Just take baby steps. I have a lot of collections that I need to knock off. 


Starting Score: EQ Lender pull 597, CK TU 547
Current Score: EQ Lender pull 583, CK TU 596
Goal Score: 650 across the board!

Message 6 of 11
ApexdvToo
Regular Contributor

Re: Yes! Barclay Apple recon approved!

When I first started I quickly became discouraged then realized: it took a long time to gain my original excellent credit and it's gunna take a while to bounce back so - take it in smaller steps. Now, I have created obtainable goals for myself and with success I smile a bit more and hold my head up a bit higher Smiley Happy oh and as you discovered: recons are awesome!

Starting Score 4/15/2012:579 Ex-FAKO, 572 Eq-FAKO, 546 TU-FAKO (all were sub-500 in 2011)
FICO as of 3/08/2013: 627 EQ, 647 TU
FAKO as of 3/23/2013: 638 EX, 652 EQ, 648 TU
Goal 1: 600 FICO achieved 10/2012!, Goal 2: 650 FICO Across the Board - Let's take Baby-Steps!
**Amex Optima $1.3k, GE/CareCredit $1k, CapOne Secured $900, Barclaycard Rewards $500, CapOne Rewards $500, Citi/Shell $200**
Seedling Garden Club Member - Last App: 03/18/2013 - Goal: No apps for One Year: 3/18/2014
Message 7 of 11
Shogun
Moderator Emeritus

Re: Yes! Barclay Apple recon approved!

Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 11
dirtybird11
Established Member

Re: Yes! Barclay Apple recon approved!

Thanks Shogun! Apex, I did try a recon on a FirstBank Dodge card, but was unsuccessful. I'm kind of glad because I didn't need it anyway. I received an app in the mail and gave it a shot. I still feel very optimistic. This will be a great year! 


Starting Score: EQ Lender pull 597, CK TU 547
Current Score: EQ Lender pull 583, CK TU 596
Goal Score: 650 across the board!

Message 9 of 11
Deltadog03
Established Contributor

Re: Yes! Barclay Apple recon approved!

Congrats Dirtybird!  I am thinking about them as well as I have heard they are BK friendly as well.....

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 10 of 11
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