DP: USB AR Denied, Recon failed

[Cdog0927]

Credit: 730 experian

Income: 77k

Credit History: 9 years

Ive had 2 vehichle loans in last 8 years, had a 30 day late 5 years ago, and a 30,60 late 6 years ago.  Called recon, denied manual review, denied based on payment history.  Try again or move on? 

[coldfusion]

Move on.

Did the recon cost you another hard pull?   That doesn't have any particular relevance regarding your outcome but it's a potentially useful datapoint to the community here at large.

[Cdog0927]

No, she said no to a manual review.  So it may not even be considered a recon.  She just said that my payment history was incompatible with this card.

[OCONUS]

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@Cdog0927 wrote:

No, she said no to a manual review.  So it may not even be considered a recon.  She just said that my payment history was incompatible with this card.

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I was approved for an USBAR with a 10K three weeks ago with a TU 713, UtiI 2%. I have two CA from 2021, a vehicle loan with 30x10, 60x2, 90x1, 120x1 from 2019. USBANK is strange!

[Cdog0927]

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@OCONUS wrote:

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@Cdog0927 wrote:

No, she said no to a manual review.  So it may not even be considered a recon.  She just said that my payment history was incompatible with this card.

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I was approved for an USBAR with a 10K three weeks ago with a TU 713, UtiI 2%. I have two CA from 2021, a vehicle loan with 30x10, 60x2, 90x1, 120x1 from 2019. USBANK is strange!

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Wow.  That seems to be a wildly different experience.  I wonder what i could have done differently.

[OCONUS]

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@Cdog0927 wrote:

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@OCONUS wrote:

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@Cdog0927 wrote:

No, she said no to a manual review.  So it may not even be considered a recon.  She just said that my payment history was incompatible with this card.

---

I was approved for an USBAR with a 10K three weeks ago with a TU 713, UtiI 2%. I have two CA from 2021, a vehicle loan with 30x10, 60x2, 90x1, 120x1 from 2019. USBANK is strange!

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Wow.  That seems to be a wildly different experience.  I wonder what i could have done differently.

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It may be that I already have two existing cards with them. I did try Recon for a higher SL and it was no go. They are famous to be a TU puller if I am not mistaken.