topic Re: Hooters Recon. in Credit Cards

Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 02:49:59 GMT

Anyone have a back door number? I was recently denied, but have plenty of people get one with a lower score.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:13:26 GMT

I don't think Hooter's has a backdoor number. The regular CS line 1-800-850-4668 should work.

Did they say why?

Re: Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 03:35:33 GMT

Nope. Nothing!

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:38:00 GMT

Hooters doesn't list reasons on their denial letters, but they do tell you that you can write to them within 60 days if you want to find out why.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:40:38 GMT

I was declined on my first attempt (over a year ago) and it was for not having 2 tradelines reporting.

More recently, we have seen members report denials for having a new mortgage within the last 4 years.

Re: Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 03:43:45 GMT

No mortgages, but how would they know if tradelines were not reporting??

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:47:38 GMT

@Breakthecycle2 wrote:
No mortgages, but how would they know if tradelines were not reporting??

Well, the first clue, would be when they pulled your credit report and saw they were not there.

Do you have any cards that report to the bureaus? Sorry, I forget if you are just starting out.

Re: Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 03:49:17 GMT

Oh yeah, well a crown jewelers and my AU accounts.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:50:06 GMT

Breakthecycle2 wrote:
No mortgages, but how would they know if tradelines were not reporting??

It's not that you can't have two tradelines that are not reporting. It's that you have to have at least two tradelines reporting.

Stef was saying she was declined because the number of tradelines she had reporting was less than two, not because she had two secret tradelines that weren't reporting and they somehow found out about it.

Who's on first?

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:50:47 GMT

Well, CJ is a revolving account, so that is good. Does it show up on your reports? You have to actually order something from them first.

Re: Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 03:53:21 GMT

@Anonymous wrote:
Well, CJ is a revolving account, so that is good. Does it show up on your reports? You have to actually order something from them first.

Oh yeah, it's been reporting for two months. I also have a student loan in good standing (installment I know) and two Au accounts. AMEX and Chase.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:54:52 GMT

Cheddar is correct. I had applied and got 2 poopie cards that I would never recommend to anyone here (unless of course I hated them for some reason). When those showed up on my reports (and of course I wish now more than ever they WERE hidden), Hooter's promptly approved me once they did.

Re: Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 03:56:36 GMT

@Anonymous wrote:
Cheddar is correct. I had applied and got 2 poopie cards that I would never recommend to anyone here (unless of course I hated them for some reason). When those showed up on my reports (and of course I wish now more than ever they WERE hidden), Hooter's promptly approved me once they did.

Hmmm..did you have any baddies? I just was approved for a Target Red and Orchard that are not showing. I will wait until they do and try again.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:57:01 GMT

You may want to call Hooters just to be sure. But- you may need one more revolving account that is reporting to your CR's when you apply.

Since it has been over a year of me receiving the card, and things are rapidly changing, I don't want to lead you in the wrong direction and make you waste another pull if you don't have to.

I'm just sharing my experience.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 03:58:09 GMT

I had a slew of medical baddies and a couple of utilities c/o somewhere in there. PFD and GW works wonders!

Re: Hooters Recon.

Breakthecycle2 — Thu, 13 Nov 2008 04:09:52 GMT

@Anonymous wrote:
I had a slew of medical baddies and a couple of utilities c/o somewhere in there. PFD and GW works wonders!

That sucks because there's 2 Paid CO and 2 unpaid CO's on mine.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 04:21:54 GMT

I was working on paying mine at the time. So, some were paid and some weren't. I was eventually able to get all of them off. (I had 25 derogs!)

Go over to rebuilding and work on your remaining baddies. Adding positive tradelines is only half of the repair process. Make sure you don't skip on the other.

Re: Hooters Recon.

jmbfl — Thu, 13 Nov 2008 16:11:18 GMT

I think you have to buy something from CJ to get it too report and I am not sure if it is reporting to all three CB's.

A reporting CJ TL and a bunch of AU accounts is not going to stand up well on an MR. This is really sketchy. I would app for a card with BofA and accept a secured card if offered. After you have that card and it is reporting you might want to try Macys.

Re: Hooters Recon.

Anonymous — Thu, 13 Nov 2008 16:39:01 GMT

YMMV but IMO Hooters does not Recon, at least they did not for me. My baddies at the time were two Paid In Full collections (both for utility bills that were over 3 years old) and I had 4 positive TL's reporting, two auto loans (one paid off, one current) and two CC"s. I thought for sure Hooters would accept me and become my first unsecured card. Nope. They are evil! Of course not as EVIL as Cap 1 who did the same thing to me but pulled all three credit reports.)

Re: Hooters Recon.

Breakthecycle2 — Fri, 14 Nov 2008 00:30:42 GMT

@Anonymous wrote:
YMMV but IMO Hooters does not Recon, at least they did not for me. My baddies at the time were two Paid In Full collections (both for utility bills that were over 3 years old) and I had 4 positive TL's reporting, two auto loans (one paid off, one current) and two CC"s. I thought for sure Hooters would accept me and become my first unsecured card. Nope. They are evil! Of course not as EVIL as Cap 1 who did the same thing to me but pulled all three credit reports.)

What were your scores?