How is BOA Recon?

[Interestedincredit]

Good Evening,

I applied for a Bank of American Travel Rewards after being "prequalified" online. ... I was denied.

On Saturday I recently applied for a CSP, and Chase Hyatt- Approved for both of them with a 5,000 CL on both Cards.

My utilization is less than 5%.  

My current credit cards that are reporting are: 

NASA FCU: 10k/2200 (since paid off)

NFCU NavCheck 15k/1400 

Navy Federal Cash Rewards 5k/0

Navy Federal Flagship 5k/0 

Citi Forward 2k/0

Discover IT 850/0

Lowes Consumer Credit Card 17k/0

Walmart Credit Card 10k/0 

Amex Platinum NPSL 

Navy Federal Personal Loan: Original Balance 4580/1840 owed (was opened in January)

Chase Freedom 1200/0 

Capital One QS 1500/0

Barclays AA Advantage 3k/0 

Not reported on Credit Yet: 

CSP 5k/0

Chase Hyatt 5k/0 

I would venture to guess I was denied due to too many inquiries:  

Experian:19

Equifax: 14

Transunion: 23 

Anyone want to show me the garden? lol 

I am not sure what report was pulled.  Does anyone think I have a shot for approval.   

AAOA is 1 year 

no baddies 

no derogatory 

My scored on all three reports are around 720-760 I think transunion is 760

Thanks so much guys! 

[Santi78342]

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@Interestedincredit wrote:

Good Evening,

I applied for a Bank of American Travel Rewards after being "prequalified" online. ... I was denied.

On Saturday I recently applied for a CSP, and Chase Hyatt- Approved for both of them with a 5,000 CL on both Cards.

My utilization is less than 5%.  

My current credit cards that are reporting are: 

NASA FCU: 10k/2200 (since paid off)

NFCU NavCheck 15k/1400 

Navy Federal Cash Rewards 5k/0

Navy Federal Flagship 5k/0 

Citi Forward 2k/0

Discover IT 850/0

Lowes Consumer Credit Card 17k/0

Walmart Credit Card 10k/0 

Amex Platinum NPSL 

Navy Federal Personal Loan: Original Balance 4580/1840 owed (was opened in January)

Chase Freedom 1200/0 

Capital One QS 1500/0

Barclays AA Advantage 3k/0 

Not reported on Credit Yet: 

CSP 5k/0

Chase Hyatt 5k/0 

I would venture to guess I was denied due to too many inquiries:  

Experian:19

Equifax: 14

Transunion: 23 

Anyone want to show me the garden? lol 

I am not sure what report was pulled.  Does anyone think I have a shot for approval.   

AAOA is 1 year 

no baddies 

no derogatory 

My scored on all three reports are around 720-760 I think transunion is 760

Thanks so much guys! 

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They are up near Barclays with recons...meaning GREAT! Definitely call the Sr Credit Analyst number found in the Backdoor Numbers thread!

[Anonymous]

They seem to be good now evidenced by all the approvals and successful recons being reported.  Ring them and let us know results...

[Interestedincredit]

Will do, do you think my inquires are too much for an approval? 

[Santi78342]

You do have a lot of INQs, but many people have had more and been approved I'm sure

[Interestedincredit]

I hope I get approved lol, how should I explain all the inquires =

[Santi78342]

I like to use the "I've been looking to maximize rewards opportunities" line

[Anonymous]

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@Interestedincredit wrote:

I hope I get approved lol, how should I explain all the inquires =

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Which bureau did they pull and how many inquiries did you rack up in the last 6 months on the said bureau.

[Interestedincredit]

im not sure wha report- but less than 6

[Anonymous]

Recon and shoot high, they'll approve you for something. Awesome in my experience