Second pull for recon?

[JENEA]

I was denied a rewards credit card from navy fed yesterday. Would they do a hard pull if i tried for the secured card? I called and they said yes they would but i was hoping it was one of those things that just depends on who you speak with.

[FinStar]

Welcome to the forums OP.

Correct. Since it's considered a separate product, it will likely yield a 2nd HP.

[Jnbmom]

Yes they would probably pull again they are HP happy.

[19eighty5]

Navy pulls for everything (from my experience).

[Noximus03]

Even thought i didnt go through a denial, I did get a recon for a higher initial CL and they DID NOT do another HP for it. They simply went off of the original app. I understand thats not your situation at the moment, but without more info I'd like to suggest you use the message service on your account and ask them to reconsider the initial denial, if you havent already. Your results could possibly be different with human eyes doing the review. They may surprise you, but regardless, good luck.

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[JENEA]

Thanks, iv already sent a request for reconsideration. I outlined the things iv been doing to rebuild my credit, positive aspects such as no new derogatory marks in 2 years and 4% utilization on the one low cl card i do have. Of the 2 open accounts i do have there are no lates, my youngest account is over 2 years old and i have only one inquiry from 6 months ago. I offered to provide proof of a 6 figure income and any other proof needed.

My student loans have 8 tradelines that are hurting me but im 7 months into my loan rehabilitation. There are 2 accounts from 3 years ago that are listed as derogatory but paid. They pulled my transunion report which is the only report that still hasnt deleted 2 collection accounts that arnt mine although they have been deleted from the other 2 bureaus. I should have went for the secured card but got ahead of myself. Lesson learned. Slow and steady instead of testing my odds. Had I waited until feburary or went for the secured card im sure i would have had better chances.

Thanks for the help.

[Anonymous]

I remember reading it triggers an HP if you sneeze while on the phone with them.