topic Re: WebBank/Dell Financial Recon in Credit Cards

WebBank/Dell Financial Recon

Anonymous — Fri, 06 Apr 2012 04:48:21 GMT

Sooooo. I apped for Dell Financing last wee, and was shot down. Which sort of amazed me...Fast Forward to today, I recieved my denial letter, I was denied for;

1.) Too many inquiries in last 12 months

2.) Too many TL's opened in last 6 months; Barclay, Amex, and one other.

3.) Total amount of credit lines is too small, as in my credit lines aren't big enough. Seriously?! **bleep**

So I figured I will call and recon tomorrow since I am a Del kinda guy....anyone have any success reconning with them? They also don't use FICO, their scale is 200-900....and pulled EX. On which I have no baddies, or anything. Just inquiries.

Ugh.

Re: WebBank/Dell Financial Recon

trumpet-205 — Fri, 06 Apr 2012 04:56:00 GMT

Why not? Tell them you have a Dell purchase incoming.

Are you buying laptop? If you are buying dekstop please build your own computer. You get a lot more out of your dollar with DIY than Dell.

Re: WebBank/Dell Financial Recon

Anonymous — Fri, 06 Apr 2012 05:46:40 GMT

@trumpet-205 wrote:
Why not? Tell them you have a Dell purchase incoming.

Are you buying laptop? If you are buying dekstop please build your own computer. You get a lot more out of your dollar with DIY than Dell.

Yes, I was in need of a laptop immediately for school, since we just started Spring quarter, I instead purchased a Dell XPS system that I have 30 days to return to Amazon no questions asked. So I guess I was just wondering how they are with Recons, or if there is someone they could be compared to when it comes to recons, such as Barclays, Chase, etc.

Re: WebBank/Dell Financial Recon

boomhower — Fri, 06 Apr 2012 12:08:26 GMT

If Dell won't play ball you could try for Barclay and go with a Mac. You can dual boot those with Windows easily. Won't be as cheap but a much better built notebook.(I say that as I am typing this on a Dell notebook!)

Re: WebBank/Dell Financial Recon

Anonymous — Fri, 06 Apr 2012 19:20:31 GMT

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.

Re: WebBank/Dell Financial Recon

bichonmom — Fri, 06 Apr 2012 19:24:20 GMT

Probably no one here has done that. I haven't read any posts on Dell financing. It's only been mentioned in passing a couple of times. You have nothing to lose by calling. Just be sure when you talk to them that you confirm they're not going to do a second HP --- or that they tell you if they are.

Re: WebBank/Dell Financial Recon

LS2982 — Fri, 06 Apr 2012 20:13:19 GMT

@Anonymous wrote:
I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.

Have you called for the recon yet?

Re: WebBank/Dell Financial Recon

Anonymous — Sat, 07 Apr 2012 00:27:59 GMT

@LS2982 wrote:
@Anonymous wrote:
I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.
Have you called for the recon yet?

Noooope. I figure I will on Monday.

Re: WebBank/Dell Financial Recon

Anonymous — Sat, 07 Apr 2012 05:45:41 GMT

I look forward to reading about how it works out for you. I tried a BML from Webbank through another computer company on 4/2 and wasn't approved (I assume because it forwarded me back to the site and said it couldn't be accessed, but I still have the inquiry on my CR) and would love to try and recon it if possible once I get my explanation letter.

Re: WebBank/Dell Financial Recon

Anonymous — Sat, 07 Apr 2012 05:49:37 GMT

It just annoys me because the reasons of denial are a joke. As if I could control my credit limits on my cards...anyway, I'll call monday and update you all.

Re: WebBank/Dell Financial Recon

Anonymous — Thu, 12 Apr 2012 14:55:10 GMT

Did you call?

I just applied for a BML account to order a replacement car part...and the denial reason was that the information was inaccurate or incomplete or circumstances may have suggested that the purchase was not made by you...what the heck?? I have no idea how to call them and verify information.

Re: WebBank/Dell Financial Recon

webhopper — Thu, 12 Apr 2012 15:07:50 GMT

What about calling Barclay and asking for a CL that is large enough to cover the Macbook product I've heard of people doing this at the point of sale and before... just explain which product you want to buy and the cost... they may increase you

Re: WebBank/Dell Financial Recon

Anonymous — Thu, 12 Apr 2012 15:14:36 GMT

No, I haven't. I've been meaning to but have een extremely busy with school.

Re: WebBank/Dell Financial Recon

Anonymous — Fri, 14 Dec 2012 17:56:07 GMT

I came acroos this thread since I was denied for BML through Webbank. Anyone have any luck gtting a recon ? thanks

Re: WebBank/Dell Financial Recon

vtskier — Mon, 01 Apr 2013 01:08:28 GMT

I'm not sure if this is the place to put this but webbank is a -very- unusual lender. They seem to be the only lender who has no prob with me getting a ch 7 discharge a year ago and 10 charge offs. they have approved me for $301 with BML a week and a half ago, $400 orginal cl, now $700 fingerhut opened 11-12, and today approved me for $1000 dell. the fingerhut reports to efx and tu. from what i read bml doesn't report (my guess is because it's an "open term" account and amex is the only creditor that i know of that issues open term accts), and I'm not sure if dell reports... In any case, I think their underwriting standards are pretty loose now considering i have 3 tl with them.