Apple Denial Letter

[blazerein]

I think Apple hates me lol.  The letter for denial is that I have recently been past due.  Well I don't have any recent past due account so not sure what they're talking about and they provided me a score of 681 which I think is FICO 9.  Not even sure what to do next, recon (not sure if they have one). Any suggestions is greatly appreciated.

[dragontears]

---

@blazerein wrote:

I think Apple hates me lol.  The letter for denial is that I have recently been past due.  Well I don't have any recent past due account so not sure what they're talking about and they provided me a score of 681 which I think is FICO 9.  Not even sure what to do next, recon (not sure if they have one). Any suggestions is greatly appreciated.

---

Maybe their definition of "recent" is different than yours, exactly how long ago was your most recent late?

[Ficoproblems247]

Pretty much any late that shows up on your reports the issuers can call "recent." When was your most recent late payment reported? 

Edit: @dragontears is quicker than me!

[blazerein]

The only one I can see is from Barclays CO (all paid in full) from 7 years ago and should fall off this August.  I guess I'll try again after it gets deleted from my report. Thanks

[PandaGirl77]

---

@blazerein wrote:

I think Apple hates me lol.  The letter for denial is that I have recently been past due.  Well I don't have any recent past due account so not sure what they're talking about and they provided me a score of 681 which I think is FICO 9.  Not even sure what to do next, recon (not sure if they have one). Any suggestions is greatly appreciated.

---

Ugh, that is so frustrating! I am feeling your pain, I think Citi hates me.  They declined both CLI requests for DC and TYP.  Then I asked to consolidate the DC line 2K onto the TYP since I only use the TYP.  They said they stopped allowing moving limits 2yrs ago.  I get aggravated constantly with their app.  I think I'll be done with Citi once I pay off my BT  I was thinking to app Apple... I dont know if I can take another gut punch though!

[Ficoproblems247]

---

@blazerein wrote:

The only one I can see is from Barclays CO (all paid in full) from 7 years ago and should fall off this August.  I guess I'll try again after it gets deleted from my report. Thanks

---

Yeah I'd be salty about 7 years ago them considering "recent" too. Probably just an excuse for a different reason and they have to give one of the official ones as your answer. Definitely frustrating not knowing exactly what they're wanting changed in your profile. Could be just a sign of the current times. 

[Meanmchine]

Do you have any collections?  Collections count as lates even if paid off