Those are looney, Sir Barclays is crazy
@Anonymous wrote:sync. I have one account with now which is amazon. I closed all my other sync cards out because of low credit lines. The others I've never had a card with before. It's always to many inq or to many recent opened accounts with them..
eq 624, tu 669, ex 658
If you haven't burned them, you're not on a blacklist. How many INQs and new accounts do you have in the past 6 & 12 months? Unfortunately, with lower scores, lenders are much more sensitive to both. Also, if most of your accounts are newer, they likely want to see more payment history before approval. Chase also has the 5/24 rule, so if you've opened more than 5 new accounts in the past 24 months, it's an automatic (and apparently not reversible) denial.
Have you called the recon line after any of the denials? Usually the credit analyst will tell you a better reason than the boilerplate reasons from the letters. I'm pretty sure those are just the generic FICO "factors affecting your score" listings. I got denied for a Merrill+ card a couple months ago and got the same "Too many INQs" reason (I had very few actually) so I called and asked if they could reconsider, or at least give me a better explanation as to why I was denied. The lady was very nice and after looking things over explained that they just wanted to see some longer payment history on the 3 or 4 cards I'd opened up in the past 6-8 months. That was really helpful for me to understand what they were looking for.
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@Anonymous wrote:I've got over 75 inquiries and 6 new accounts. But I'm still getting approvals on all but them. Big limits 3K to 15K so far on some.
Wow Scott...that to me is quite a bit. It's like taking 2 steps forward 3 steps backward. Just think of the potential you would have if you let your profile age a bit. I am only speculating beause I haven't seen your complete profile but that is a whole lot of apps....good luck to you...
...you are missing out on the prime banks IMHO...