Barclay Awkward Denial

[smoop88]

Today i had a family member get in with barclay high 500 score judgement lates and total TL is less than 1k. I applied and reconed i got nothing 613 TU no collections lates in January. I was told they wanna see more time on new accounts and more time from lates. How many times can you recon with barclay?

[baller4life]

Till they cave!

[smoop88]

Lol yeah this is my 1st barclay experience the guy listened but thats crazy how my family member was approved on recon but i get denied bc of late payment from Jan we had the same number of inq but i guess my new accounts hurt me what would you all do? I wanna recon again but when?

[baller4life]

Call back now if you like. Just have an explanation for new accounts. I've been successful at 2 recons before. Some of reconned 4,5 times

[smoop88]

Thanks will do now do i mention this is my 2nd recon or act like its my 1st?

[Anonymous]

If they are telling you they want to see more payments on accounts and more time away from lates, I'd take that seriously and at face value.

You also mentioned you have a lot of inquiries and new accounts and Barclay's does not like those either. I don't see a lot to recon with, honestly. I'd wait the 6 months as they are telling you and try again.

[taxi818]

Your basing it on your family members Score. But a recent late is even worst. January was just 6 months ago. That is way too recent in the credit world. Of course recon. But It does not look good. Congrats to family member. each of us is different family or not. So your profile is different.Do they have anything recent? within the last 2 years?

[Anonymous]

Let's look at what you are offering them

Low credit score

Recent lates just a few months ago

Lots of inquiries

Lots of new accounts

They don't like any of those things. Now, if you had a stronger credit score, I'd say you had some bargaining chips to recon with. As it is, I don't see anything to recon with.

[taxi818]

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@Anonymous wrote:

Let's look at what you are offering them

Low credit score

Recent lates just a few months ago

Lots of inquiries

Lots of new accounts

They don't like any of those things. Now, if you had a stronger credit score, I'd say you had some bargaining chips to recon with. As it is, I don't see anything to recon with.

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+1 but don't be so hard. Always leave a little hope for them. hehehe. I say go ahead and call and get it out of your System.

[smoop88]

No im not basing it on score at alone im basing it on the whole picture utilization, score, lates, collections, inq etc even income im aware everyone is different but i dont get it at all their recents are lates from this year 6k judegement and another collection