topic Re: What's standard policy for recon after successful disputes with CRA? in Rebuilding Your Credit

What's standard policy for recon after successful disputes with CRA?

Tcal — Fri, 31 Mar 2023 23:41:51 GMT

In mid February, I had *foolishly* applied for US Bank's Cash+ even though at the time I was at 3/24 (4/24 if you count Target). They sent me a letter saying that I was denied due to 'severe delinquency'. Today the last CRA got back to me and removed the incorrect information leaving a perfect payment history.

My question is—does US Bank let you recon without an additional hard inquiry if your credit report has changed? I know with Citi Bank, they give you 60 days but I don't see anything online about US Bank.

Re: What's standard policy for recon after successful disputes with CRA?

FireMedic1 — Mon, 03 Apr 2023 13:27:38 GMT

Im no US Bank expert. But it would make sense to pull you again to see that is really gone and not word of mouth. Others may chime in.

Re: What's standard policy for recon after successful disputes with CRA?

Tcal — Mon, 03 Apr 2023 18:00:11 GMT

@FireMedic1 wrote:
Im no US Bank expert. But it would make sense to pull you again to see that is really gone and not word of mouth. Others may chime in.

I was able to get a call in today, and they said they will only reconsider the application under 30 days. I'm thinking I might be better off going the secured route.

I pay the family plans' phone bill every month (~$400 a month for like 12 lines) and I really want to get that 5% on it lol. I'm starting to think it's better to get the cash back now then wait 6 months and maybe get a SUB

Re: What's standard policy for recon after successful disputes with CRA?

FireMedic1 — Mon, 03 Apr 2023 23:13:16 GMT

Whoa! Maybe look into walkie talkies with a repeater! Dang.

Re: What's standard policy for recon after successful disputes with CRA?

Tcal — Tue, 04 Apr 2023 01:49:30 GMT

It's Amazing. That's including phones being financed + fees

$20 per line for unlimited everything—I will never let this plan die lol