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Backdoor Numbers

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Super Contributor

Re: Backdoor Numbers


@walkietalkie wrote:

I recently had success reaching a Bank of America credit analyst at 800-354-0401, but when I would ask for a reconsideration, they would simply re-submit my application and explain the reason for being denied (Number, type and/or balance of accounts with Bank of America). Would calling a different recon number possibly give me different results? I have already called this number 3 times with the same response each time. 


That's how BoA recon works these days. The reps simply resubmit your application through the automated system. So unless something has changed in terms of your information, it's going to be the same result i.e. denied for the same reason it was denied originally. BoA does not do much human intervention on applications like they used to.

Message 361 of 371
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Member

Re: Backdoor Numbers

I have a merchant best buy number if you press 1 twice just say ur a customer it skips the line. 888-834-3963

Message 362 of 371
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Frequent Contributor

Re: Backdoor Numbers

Called BofA: 800-421-2110, but the number no longer transfers your to a human directly.


BofA:  888-991-8222 works

Amex Platinum (NPSL); Amex Gold (NPSL); Amex Green (NPSL); HH Surpass (36.6k); Amex BBP (27k); B&H Payboo (25k); HSBC Premier WMC (14.5k); HSBC Advance (7.5k); Rakuten Visa (5k); Nordstrom Store (4k); Discover It (3k); Apple Card (2.5k); Amex Everyday (1k)
Started collecting cards: Oct/2018
Inquiries: EX (27); TU (31); EQ (17)
Message 363 of 371
Super Contributor

Re: Backdoor Numbers


@DTFGhost wrote:

Is there a CLI specialist number for CITI? all the numbers seem to be for applications. I was just denied for a CLI, but the credit score they pulled is 2 months old,  my score has gone up 80 points since then.....


In my experience they deny having phone access to that department and you have to write them or send a fax.

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 364 of 371
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Frequent Contributor

Re: Backdoor Numbers

I finally found a phone number for Rakuten Visa that worked! I went back through their site and scanned through the cardholder agreement. I then called the first number in there I could find, which was 855-697-4560. I think it is technically the customer service line, but once I put in my date of birth and SSN, the computer asked why I was calling. I said "application status" and I finally got through to the correct place. They said I was declined, which is fine. But the number is here in case anyone else needs it since there seems to be no mention of it anywhere on the entire internet.

Message 365 of 371
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Regular Contributor

Re: Backdoor Numbers

Sorta in an urgent matter does anyone have BoA number with human to try to delete a totally accidental delinquency from someone's file? I think i am going to call tomorrow, not mine but my brother's.

Message 366 of 371
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Valued Member

Re: Backdoor Numbers

Success with Chase today. I had asked for a CLI and was denied. Then I called 888-270-2127 and spoke with a Lending Services Specialist. He went over my CR, and questioned the multiple 60-day lates I had from Feb through May of 2019 on a Cap1 account (as that was the reason I was denied).

 

I explained my case (long story with some foreign currency issues), and I pointed out that a) I had never missed a payment with Chase over 4 years, and b) that even though I was late on the Cap1, I didn't default and that for the past 15 months I've not been late with Cap1, I PIF each month, and it currently has a zero balance.

 

The CRS then doubled by CL from $1000 to $2000.

 

Interesting data point, his main concern was that the Cap1 account was my highest line of credit.

Starting Score: 447 - 5/2019, FICO 9 by Wells Fargo
Current Score: 729 - 9/2020, FICO 9 by Wells Fargo
Goal Score:800


Take the myFICO Fitness Challenge





9/2020
Message 367 of 371
Highlighted
Established Contributor

Re: Backdoor Numbers

Ok so I just called Chase's Verification/Fraud dept at around 7:30AM PST and they're open, however, the quality is just horendous! I think it has something to do with the specialists working from home or something so just keep that in mind when you call their backdoor numbers. It will be a painfull phone conversation.

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Message 368 of 371
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Super Contributor

Re: Backdoor Numbers


@Roy-Batty-6 wrote:

Success with Chase today. I had asked for a CLI and was denied. Then I called 888-270-2127 and spoke with a Lending Services Specialist. He went over my CR, and questioned the multiple 60-day lates I had from Feb through May of 2019 on a Cap1 account (as that was the reason I was denied).

 

I explained my case (long story with some foreign currency issues), and I pointed out that a) I had never missed a payment with Chase over 4 years, and b) that even though I was late on the Cap1, I didn't default and that for the past 15 months I've not been late with Cap1, I PIF each month, and it currently has a zero balance.

 

The CRS then doubled by CL from $1000 to $2000.

 

Interesting data point, his main concern was that the Cap1 account was my highest line of credit.


@Roy-Batty-6 congratulations and well done, like a true MF'er!! You're the man! Out of curiosity, if you don't mind, what is the limit on the CapOne?

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 369 of 371
Highlighted
Established Contributor

Re: Backdoor Numbers

By the way, I got Chase's Lending Dept. number: 1 (877) 260 - 0084. Not sure if this is their Business Lending Dept. though because I called regarding my recent Business Ink Cash application.

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Message 370 of 371
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