so a few weeks ago, i applied for the caesars total rewards visa through comenity bank.
got the dreaded, "your application is under review, expect a letter in 14 days".
as to no suprise i got the denial letter in the mail.
letter states that my credit score as of jan 20 was a 480.
- inquiries did adversely affect the score
- length of time oldest bank revolving account has been established too short
- not enough bankcard debt experience
- proportion of satisfactory trades too low
when i check my fico 8 credit report, comenity bank only did a hard pull from equifax. at the time of the pull, my fico was 688.
as of last week, it's now 714.
i've had 4 inquiries since august 2019, and the 4th was the comenity bank hp.
i have 3 revolvers. oldest one, i am an au on. (opened 7/2016).
my first revolver (not au) opened on 9/18.
utilization was at 24% at time of applying and is now at 12%.
according to fico report, i have no late payments, deliquencies, baddies, collection etc.
all clean
should i try to do a recon with comenity bank?
i've read some older threads where success rate with them is really low for recon.
thanks in advance for all your assistance.
