Curious, if someone was to apply for a card and get denied how long do they have to call in for recon?
If I applied for a BofA card and got a denial due to being at 3/12, but then 2 weeks later I was at 2/12, would the window for recon still be open to call and make a case? When I say someone I mean me, and logic says to wait which I can totally do, but science is telling me to see how it shakes out. My situation has changed and I can spare some hard pulls, as I don't really need to apply for anything for a while. Thought this could make an interesting DP.
I got a pre selected mailer from BofA today, I know they're pretty much all marketing but it made me itch.
Don't be like me. I'm weak.
Normally within 30 days you can recon! However if you are reporting discrepancy or disputing what they found on your report, it may require another HP!
Now if HP is not an issue, you can reapply again next month!
@CYBERSAM wrote:Normally within 30 days you can recon! However if you are reporting discrepancy or disputing what they found on your report, it may require another HP!
Interesting, can you submit supporting documentation during a recon? I've never had to do one. I would probably be ok with the second HP but maybe I can send them the experian report that showed the account aged off 3/12. My curiousity might get the better of me here.
There is no science, without sacrifice.