The denial letters just posted and look identical. AAOA on EQ report is only 11 months with the oldest line being 1 year and 5 months. 8 inquiries in the last two years including Penfed. Only 3 of those in the last year. So I'm not quite sure how 2 inquiries in 12 months is too many. lol. Loan balances amuses me since they refinanced that loan. My Paypal card accidentally reported a high balance this statement at $607/2000. It's already payed off. What do you guys think my chance of a recon on the card is? The csr that I just talked to said that I would need to fax in a letter in order for them to do one and that I couldn't talk to an underwriter.
Your Credit score: 724
Date: 01/14/2013
Scores range from a low of 150 to a high of 950.
Key factors that adversely affected your credit score:
Length of time accounts have been established
Too many inquiries last 12 months
Proportion of loan balances to loan amounts is too high
Amount owed on accounts is too high
Current Scores: TU 746, EX 755, EQ 724