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Backdoor Numbers

Auto Loans for ANY Credit Situation. Immediate Response.
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New Member

Re: Backdoor Numbers

Discover's "backdoor" recon line is invalid. As in, they do not have a recon department. Niether does AMEX. They all say they don't do that.

Message 341 of 351
New Visitor

Re: Backdoor Numbers

HSBC SECURITY DEPT 866-926-3804 8am-5pm M-F

Was sent to here when I call to check on app.
Before this I had a freeze. I was told to wait 2 days before I could apply. Due to they could not use my orginal app.
Message 342 of 351
Established Contributor

Re: Backdoor Numbers


@UnionOfWar wrote:

Discover's "backdoor" recon line is invalid. As in, they do not have a recon department. Niether does AMEX. They all say they don't do that.


Amex does have a recon department. They may not call it that, but, if you are denied for a card, you can request reconsideration, and they will reconsider you. How I know: I did this in August. I didn't call a special number, just normal customer service. They filed the request for me, and I got a letter in the mail a week later standing by the decision.

 

(I then noticed the very night that I got the letter that I was now "prequalified" for the card they had just denied me for; checked, and I was also "preapproved" for it; applied and got it. Which was weird as far as timing, but I think it's simply a matter of me passing some time threshold. Specifically, my Gold Card ticked over a month old while the letter was in the mail.)


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 343 of 351
Established Member

Re: Backdoor Numbers

Synchrony line ending in 6441 indicates on multiple calls that they do not have the power to recon any lines and indicated i can reapply and that any info related to synchrony even if it is incorrect will pull from the CB's instead of their own info. 

 

tried overseas and got same info. they didnt even get to my SSN dob or anything.. literally 5 attempts each.

 

same thing. they do not do recon LOL

Message 344 of 351
Regular Contributor

Re: Backdoor Numbers

back door number for BBVA bank?

tu 758 credit karma 10/27/2019
eq 752 credit karma 10/27/2019
ex 741 Experian Vantage Score 10/27/2019
discover 14800$
american express 10k$
elan visa 10800$
wellsfargo visa 9800$
wellsfargo american propel 6000$
bbt visa 6000$
bbt mastercard 6000$

Message 345 of 351
New Contributor

Re: Backdoor number for Synchrony bank

What number did you use for Synchrony Bank?

 

The number I tried, 855 519 6441, was disconnected.

 

Please advise

Message 346 of 351
New Contributor

Re: Backdoor number for Synchrony bank

Hi

 

I am a Forum newbie.

 

What is the difference between the two Synchrony numbers listed?

 

Is one better than the other for CLI's?

 

Thanks in advance!

Message 347 of 351
Established Member

Re: Backdoor Numbers

thank you so much for this. ... i'd come across it somewhere before but couldnt locate it today to save my life! (-_-)

 

Just joined the gardening club so reconning should curb my trigger finger for a while.

 

*fingers crossed*

Message 348 of 351
Member

Re: Backdoor Numbers

from page 1:

 

DEAD: BofA:  866-618-4585 (Sr Credit Analyst) ~corymcdd88 

Message 349 of 351
Moderator

Re: Backdoor Numbers


@dogmeat wrote:

from page 1:

 

DEAD: BofA:  866-618-4585 (Sr Credit Analyst) ~corymcdd88 


Thanks for the heads up.  Confirmed as a non-working # and removed from the list. 

Message 350 of 351
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