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Any Successful Costco Recons yet?

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Scupra
Super Contributor

Re: Any Successful Costco Recons yet?


@morgacj2004 wrote:

I was not approved with them citing BK. I called to Recon with no luck. My wife was listed as AU. I then applied using her as primary and me as AU and we were instantly approved for 9.5k.. (See my post under Approvals.).  Same profile all though she has a few less inquiries than me. Our BK is 44 months post D/C.


Until your post I was A ok with waiting a while. Why did you have to go get approved? Smiley Very Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 31 of 36
morgacj2004
Valued Contributor

Re: Any Successful Costco Recons yet?

SCUPRA Wrote " Until your post I was A ok with waiting a while. Why did you have to go get approved?"

 

Just trying to hang with the Big Boys!. On a semi unrelated topic. I applied for the CHASE Amazon Visa with App status pending review. I called the same lady at EO that I spoke to a year ago and she called me back today stating she is going to see what she can do to get me approved. She was surprised that I really called her back one year later!!!


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 32 of 36
Scupra
Super Contributor

Re: Any Successful Costco Recons yet?


@morgacj2004 wrote:

SCUPRA Wrote " Until your post I was A ok with waiting a while. Why did you have to go get approved?"

 

Just trying to hang with the Big Boys!. On a semi unrelated topic. I applied for the CHASE Amazon Visa with App status pending review. I called the same lady at EO that I spoke to a year ago and she called me back today stating she is going to see what she can do to get me approved. She was surprised that I really called her back one year later!!!


Posted that and then went and applied Smiley Happy Thanks for the push haha! Good luck, hope you get an approval

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 33 of 36
Vegas4Play
Valued Contributor

Re: Any Successful Costco Recons yet?

Seems there have been some with success.

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 34 of 36
Anonymous
Not applicable

Re: Any Successful Costco Recons yet?


@Anonymous wrote:

My husband called the number on the letter, which was specifically for the Costco card.  The rep was very kind and helpful and said she thinks he should call back in 1 month when several inquiries will be over 6 months old.  She said they may be able to use the same app and hard pull and approve him then.  So he will try again then and if it doesn't work contact the EO at that time.  He does have a lot of inquiries, so this is no surprise.


Since I'm the OP, I thought I'd update.  He called again today 31 days later, as the rep suggested.  They approved him for $5000!  31 days ago, he begged for $500 and was told no, but today they gave him $5000.  She tried to not do a new HP, but the system wouldn't show her the report from the first attempt.

 

So, this confirms what the first rep told me: Citi cares a lot about inquiries, but only inquiries that are less than 6 months old.  Smiley Happy

Message 35 of 36
Anonymous
Not applicable

Re: Any Successful Costco Recons yet?

Congrats on the approval!!
Message 36 of 36
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