topic Re: Recon?? in Credit Cards

Recon??

Anonymous — Sun, 16 May 2010 19:48:38 GMT

So i already wrote a Recon Letter to Barclays for the GCONOMY card, was turned down because of too many INQs thing was they were unauthorized and BOFA, NORDSTROM, HSBC, AND DCFS all agreed to remove bringing my legit inq.s down to 3 one being a former barclays card i cancelled cause of the interest rate i really want this card because its an interest i take to heart, any chance with submitting the recon to barclays via letter with credit report current (fico tu 767, ex fako 770, Eq-760) They will approve me? I am sending in the letters that the other creditors sent saying they are removing the fraduelnt accounts and inq.s?? Your thoughts

I also did the same with Citibank Platinum Plus card was approved for 2 weeks then denied because of the fraud spoke to a nice credit analyst before i had recieved mail confirmation of deletion, so sending them a GW letter too with same supporting documents....you pros thoughts on the chances they wil reconsider with the letters??

Re: Recon??

Anonymous — Sun, 16 May 2010 19:55:03 GMT

Also sorry a newbie here, do you think its a bad idea to send AMEX who approved me for 4 cards, and did 4 inqs on Experian in 2 in Jan 2-March, and to a letter asking to consolidate them into one inq. I have been a good prime customer to AMEX PIF on all cards never carry a balance. Have the Platinum Charge card, Gold Pref Rewards Charge (the rewards were to good to pass up) Delta Platinum CC, and Blue Sky CC. Thanks i dont wanna loose amex over a dumb letter they have been outstanding thus far.

Re: Recon??

MarineVietVet — Sun, 16 May 2010 20:11:21 GMT

@Anonymous wrote:
So i already wrote a Recon Letter to Barclays for the GCONOMY card, was turned down because of too many INQs thing was they were unauthorized and BOFA, NORDSTROM, HSBC, AND DCFS all agreed to remove bringing my legit inq.s down to 3 one being a former barclays card i cancelled cause of the interest rate i really want this card because its an interest i take to heart, any chance with submitting the recon to barclays via letter with credit report current (fico tu 767, ex fako 770, Eq-760) They will approve me? I am sending in the letters that the other creditors sent saying they are removing the fraduelnt accounts and inq.s?? Your thoughts

I also did the same with Citibank Platinum Plus card was approved for 2 weeks then denied because of the fraud spoke to a nice credit analyst before i had recieved mail confirmation of deletion, so sending them a GW letter too with same supporting documents....you pros thoughts on the chances they wil reconsider with the letters??

On May 13th in the Auto Loans Board ( http://ficoforums.myfico.com/t5/Auto-Loans/WILL-I-GET-APPROVED-GONNA-APPLY-TOMORROW/td-p/674368) you said your scores were EXQ-700 TU-698 EXP FAKO-727. Have they changed that much in 3 days?

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
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Re: Recon??

Anonymous — Sun, 16 May 2010 20:13:28 GMT

YES!!!! AWESOME went up because I got finally a judgement tax lien on my CRAs removed it was someone with my same name finally all three removed and my Scores went WAY UP!!!! didnt know a judgement rathher a removal of one could up them! And btw I ended up not cosigning per myfico members advice wheww lol so any idea on the recons thoughts advice?

Re: Recon??

Anonymous — Sun, 16 May 2010 20:41:31 GMT

So anyone know my chances?

Re: Recon??

MarineVietVet — Sun, 16 May 2010 21:00:55 GMT

@Anonymous wrote:
YES!!!! AWESOME went up because I got finally a judgement tax lien on my CRAs removed it was someone with my same name finally all three removed and my Scores went WAY UP!!!! didnt know a judgement rathher a removal of one could up them! And btw I ended up not cosigning per myfico members advice wheww lol so any idea on the recons thoughts advice?

I'm glad to hear you didn't do that co-sign. That was just asking for trouble. As far as the recon I have no experience with them so I will defer to others to give you advice.

Re: Recon??

Anonymous — Sun, 16 May 2010 21:02:50 GMT

I just called for a recon with Barclays and it was great. You've really got nothing to lose...

Re: Recon??

Anonymous — Sun, 16 May 2010 21:06:59 GMT

Ya they denied me because too many INQs but i since placed fraud alerts because someone did open accounts in my name but BOFA, HSBC, NORDSTROM, GEMONEY, and DCFS Financial all agreed to remove hards and TL but I hate talking to Barclays they give you a run around even at the recon number, Ciiti did not but analyst made a note of everything and now i am waiting till tomorrow to send my GW letter to reopen the account with supporting documents, do you think they will? I really want that Barclays Gconomy card haha hopefully it works if anyone else has info let me know

Re: Recon??

Anonymous — Sun, 16 May 2010 21:07:28 GMT

Oh and ya you guys were right we broke up 2 days later so ya glad i listend

Re: Recon??

Anonymous — Mon, 17 May 2010 00:25:18 GMT

@Anonymous wrote:
Also sorry a newbie here, do you think its a bad idea to send AMEX who approved me for 4 cards, and did 4 inqs on Experian in 2 in Jan 2-March, and to a letter asking to consolidate them into one inq. I have been a good prime customer to AMEX PIF on all cards never carry a balance. Have the Platinum Charge card, Gold Pref Rewards Charge (the rewards were to good to pass up) Delta Platinum CC, and Blue Sky CC. Thanks i dont wanna loose amex over a dumb letter they have been outstanding thus far.

U opened for Amex cards the same day?

Re: Recon??

Anonymous — Mon, 17 May 2010 00:26:49 GMT

No two in Jan Two in March

Re: Recon??

Anonymous — Mon, 17 May 2010 00:32:42 GMT

D*** Amex must love u. Why do u want so many accounts with them?

Re: Recon??

Anonymous — Mon, 17 May 2010 02:18:46 GMT

Because they are a good company, was a member in 2000-2005 closed Charge Card and Clear Card went Back in Jan Reaged account to 2000

Re: Recon??

Anonymous — Mon, 17 May 2010 02:20:02 GMT

No horror story either like many post on here, back when i frist was a member in 2000 i didnt charge much on the clear or Gold charge for 7months then PIF on both cards and gradually worked up to spending mostly on the charge card 1.5-2k a month never had a single issue with them

Re: Recon??

Anonymous — Mon, 17 May 2010 12:27:11 GMT

Why did u close them.

Re: Recon??

Anonymous — Mon, 17 May 2010 15:00:44 GMT

I closed there Visa Black Clard because the $495.00 annual feee was absurd compared to the benefits, i much prefer my $450.00 Platinum AMEX

Re: Recon??

score_building — Mon, 17 May 2010 15:57:45 GMT

How many new accts in last six months? Also they don't like excessive inqs.

It can't hurt to try but they are not fans of new acct or inq. if you have a lot you may want to stop app altogether and let what you have age in good standing.

Re: Recon??

Anonymous — Mon, 17 May 2010 17:17:12 GMT

I only have 4 real accounts opened from JAN-March but they were all AMEX and regaged to when i was a memeber in 2000, Didnt hurt my AAoA at all brought up my scores 80 points, also i got the unanuthorized accounts that the fraudsters opened (5) and the subsequent INQ.s to remove, well they sent letters confirming they are going to but will take up to 60 days/....so in my recon letter i am sending them copies of all 5 companies letters that apologize and are removing the TL and INQ from my reports. Still a uphill battle?

Re: Recon??

score_building — Mon, 17 May 2010 20:39:54 GMT

Sounds promising although letters from 5 issuers is quite a bit of explaining to have to do for recon.

In any case, I hope it works out, Barclays has a great track record for recon- v. best of luck!

Re: Recon??

Anonymous — Tue, 18 May 2010 00:40:27 GMT

Thanks, I have the letters i am sending them that show the Credit accounts opened were not by me and the Lenders (BOFA, DCFS, GEMB, and Chase) have agreed to remeove the TL AND INQ.s thank god!!!