ation! It works!
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
You will notice I have no other late payments, collection accounts or, general negative items on my report. I have had credit for 14 years with 22 open tradelines with perfect payment history. I appreciate you taking the time to reconsider my application. I hope my explanation clears things up so I can be another proud xxxxxx card holder and customer.