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How to Recon

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How to Recon

Applied over the weekend for a BofA Cash Rewards card, (694) EX Pull -  reasons for denial rep states were too recent late, which is due to stupid secured card payment first payment made via check with #9001, which i never write checks so the bank "Bank of America" returned as Fraudulent. No ones fault but my own because I waited until the last minute to pay. is there anything you can say to get them to reconsider the denial, current DP are:

Open Credit Cards
2
Open Retail Cards
1
Open Real Estate Loans
0
Open Installment Loans
4
Total Open Accounts
7
Accounts Ever Late
1
Collections Accounts
0
Time Since Negative
3 Months
Average Account Age
2 Years 6 Months
Oldest Account
9 Years 6 Months

 

 

Starting Score: 520
Current Score: 629
Goal Score: 800


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Message 1 of 3
2 REPLIES 2
Community Leader
Mega Contributor

Re: How to Recon


@SL_Texas_rebuild wrote:

Applied over the weekend for a BofA Cash Rewards card, (694) EX Pull -  reasons for denial rep states were too recent late, which is due to stupid secured card payment first payment made via check with #9001, which i never write checks so the bank "Bank of America" returned as Fraudulent. No ones fault but my own because I waited until the last minute to pay. is there anything you can say to get them to reconsider the denial, current DP are:

Open Credit Cards
2
Open Retail Cards
1
Open Real Estate Loans
0
Open Installment Loans
4
Total Open Accounts
7
Accounts Ever Late
1
Collections Accounts
0
Time Since Negative
3 Months
Average Account Age
2 Years 6 Months
Oldest Account
9 Years 6 Months

 

 


No. You will need to wait that one out. You can try, but I dont see it happening. It's so recent, stick with what you have and maybe in a year you'll have a better luck. 

EX 759 EQ 774 TU 753


Message 2 of 3
Established Member

Re: How to Recon

thanks for the response, that's what I was thinking but wasn't sure. trying really hard to get into the major credit card realm!

Starting Score: 520
Current Score: 629
Goal Score: 800


Take the myFICO Fitness Challenge
Message 3 of 3
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