Yea it was a long time, it was about 2 weeks (10 business days) after applying before I knew anything (DENIED). They’re VERY sensitive to any INQ’s, which was my reason for denial. I ended up calling the reconsideration line today actually, explained that I just got done car shopping, had walked away from a dealership whom was shady during financing and ran my credit multiple times, so I left that dealership and went to another to get financed which is where I got my car. So most of my INQ’s were from that. Also explained that I already have a card with them and it’s been in great standing. She was VERY nice and took down all the information I had told her and said she would send it off to a manager and that I would hear back within 2 days. Well fast forward 1hr later and those suckers just pulled my EX again!! Hahaha not 100% sure why but thankfully no other INQ’s have been pulled on my EX since this application & my score went up 15pts so maybe I will get approved. Good luck & I hope you got/get an approval!!
DATA POINTS:
-VERY SENSITIVE TO INQ’s
-EXPECT A 2ND HP FOR RECONSIDERATION
-CLI REQUIRES A HP EVEN AFTER AN APP APPROVAL FROM THE SAME DAY/SAME REPORT
-CHECK FOR SP PRE-APPROVAL CLI OFTEN
RECONSIDERATION #:
(800) 444-6220
UPDATE: I got an e-mail just a little bit ago that I was approved, I haven’t had time to check the CL yet but regardless I went from being denied to approved!!
DATA POINTS:
-VERY SENSITIVE TO INQ’s
-EXPECT A 2ND HP FOR RECONSIDERATION
-CLI REQUIRES A HP EVEN AFTER AN APP APPROVAL FROM THE SAME DAY/SAME REPORT
-CHECK FOR SP PRE-APPROVAL CLI OFTEN
RECONSIDERATION #:
(800) 444-6220
UPDATE: I got an e-mail just a little bit ago that I was approved, I haven’t had time to check the CL yet but regardless I went from being denied to approved!!
Congrats!
The Wife was just approved for the Secured @ $1k. Took about 5 days to approve and 14 days from app date to receive the card.
Pulled EX: 570 FICO 08
INQ's: 0
3 Collections, multiple CO's
Supposedly will graduate at 11 months. Her score should be well higher by then... we will see.
Do you mind sharing your DPs at the time you got approved? New inqs/accounts, etc?
Scores: between 730-750.
Ultilization: between 15-20% before new cards (0% balances)
Income: above average
New Accts: I opened 4 or 5 accounts within a week. I do not remember what order.
Inquiries: 1 or 2 before opening 4 or 5 cards in same week.
Baddies: nothing late on report
BK13: 5 years ago. Long good credit history before BK.
Other Credit Cards: 15+ with $200k total limit.
Car Loan: $19k on $35k loan - never late.
Student Loans: Many, never late.
Just got a $2k CLI with Soft Pull via Phone.
Saw the option in this community!