Hey Noah,

What address did you send the Chase recon letter to?

I was declined for a Visa Platinum with them due to high util on my CRs. 

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deuce wrote:
Can anyone confirm/comment on this regarding Capital One? Isn't the high limit the highest balance you have had on that card, ever, and not considered in your score? Isn't it the current balance that applies for Util? I have a Capital One CC and I'm pretty sure they report my balance accurately, and my Util isn't being calculated with a 100% from CapOne. As far as reporting the high limit goes, I'm pretty sure all of my CC report the highest balance I have ever had with them, as well as my current balance.

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I have a quick question...if one say applied for a refinance auto loan from Cap1 and got denied and one didn't remeber the reasons y because they didn't know about myfico forums and threw away the denial letter, how could one such person have that descision reconed? Or should I just reaply and try recon then? Refiancing would help me sooo much I currently have been paying 17.95% APR for 15 mon now I paid down a whopping 1k off my loan amount and this refi would be @6.95% and lower my payment by $55 which is alot for me right now. Thanks in advance for any advice.

I was unaware that a decline will lower my score.  Where do declines typicallly show up on the report?

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ToddLipps wrote:

I was unaware that a decline will lower my score.  Where do declines typicallly show up on the report?

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Hi ToddLipps,

A decline does not lower your score. They do not show up on a report.