Barclay recon went wrong!

Anonymous · ‎08-23-2018

I apped for uber visa(TU pulled)and got 10 day notice.. the next morning i decided to reconn and talk to the rep, asked me whole bunch of question and they decided to pull my credit report again (EXperian) doesnt sound right to me. The question is can i call them and ask them to remove tgat HP from EX should they ask me first b4 they pull?

MrDFinance · ‎08-23-2018

Typically they do ask... I guess they figure they we're doing u a favor by checking another agency :/ .... If it was a approval I would lay low... Barclays is very finicky....

JR_TX · ‎08-24-2018

@Anonymous wrote:
I apped for uber visa(TU pulled)and got 10 day notice.. the next morning i decided to reconn and talk to the rep, asked me whole bunch of question and they decided to pull my credit report again (EXperian) doesnt sound right to me. The question is can i call them and ask them to remove tgat HP from EX should they ask me first b4 they pull?

Sorry to hear about the double pull OP. You can try as there’s no harm in it. Unless they pull your EQ this time for just asking them to remove that EX HP!

JK

Most likely they’ll say NO to the EX hp removal though.

That’s why it’s always best to let an app play out first and never get too anxious and call ahead before a decision is even handed down to avoid complications like this.

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

CreditCuriosity · ‎08-24-2018

Most likely as other stated that HP won't be removed as you asked them for reconsideration and although they certainly can possibly give you the courtesy of asking to pull a different CRA, they don't need to and this have happened to many people from many lenders without knowledge. Now whether barclay's will remove the HP is up for debate on if they feel like going through the trouble of sending the necessary stuff to Experian to have it recorded from a HP to a SP. Assume it was a denial even though they pulled experian as well and didn't change the outcome of the denial?

Anonymous · ‎08-24-2018

I think you should have called the same day you applied. I was denied ad successfully approved for $3700 after answering 6-7 questions about my spending habits. If you your score from other credit bureaus are better, just do it.

Anonymous · ‎08-24-2018

Yup denied after they pulled Ex due to may inquiries (10)

)