Question about recon...

[Anonymous]

Hey everyone! I've been a lurker for about 6 months now. Everything I've read has been a huge help in my credit rebuild. I'm just like everyone else, doing stupid things when I was younger.
Anyways....I'm currently 580 EQ, 601 TU, 615 EX. I have a bunch of store cards acquired through the shopping cart trick, a cap 1 plat, and a cap 1 secured. I have a ton of inquiries unfortunately at this point.
My question about recon is this. What exactly do you say to these people. I mean, like someone in my position, credit wise. What can I say to them to possibly persuade them to help me out?
Thanks for any input!

[Skye12329]

Just be honest. Call a few times but call a credit analyst or underwriter and just ask if theres anyway to override the application. They will go over your report and ask a few questions and if possible Approve the application. 

[Anonymous]

So..you literally just call them up and say hey, I was declined, can you please look at it again?

[Skye12329]

Yeah, or just act dumb like i do and say can you check on my application status and when they say its declined. Say is there any way to get it approved?

[Anonymous]

Ahh, ok. I'm just new at this and the thought of calling makes me a tad nervous. I just want an idea of what I should say and what not to say. Lol. I just had no idea where to start at all. I know in time it will get easier.
thanks so much for your help Skye!

[Skye12329]

Yeah I am always nervous about calling too. But I mean worse they can say is "sorry I can't approve it" and then you just call again for a new rep. I usually give up after 3 or 4 reps.