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TD Bank Denied - Recon?

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Regular Contributor

TD Bank Denied - Recon?

So I applied for TD Bank First Class Visa Sig

 

I called the application line and I was denied... Not sure why.

 

They pulled Experian which my Fico Score is at 750, 20% Utilizatioon, 2 inquiries, NO Negatives. AAoA about 3 years. 
Only 1 account opened in the last 3 years.

 

I called the recon line and the rep told me they would submit it for reconsideration and take a look at it. Said I can call back within 2-3 business days... 

 

Anyone have experience with TD Recon? Any success?

 

Fingers Crossed!

Message 1 of 15
14 REPLIES 14
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Valued Contributor

Re: TD Bank Denied - Recon?

I wish for your success.

 

Did they do a hard pull?

FICO 8: EQ 800; EX 797; TU 793
Message 2 of 15
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Regular Contributor

Re: TD Bank Denied - Recon?

Yeah, hard pull on Experian. I live in NY.

Message 3 of 15
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Moderator Emeritus

Re: TD Bank Denied - Recon?

Reconsiderations are iffy with TD Bank as they tend to be somewhat conservative.  Without knowing the overall data associated with your profile and the actual reasons for denial it's hard to say what your chances will be.

 

There was a member a while back who was not approved and the reconsideration resulted in a $500 approval. So, YEMV on this one.

 

Best of luck either way. 

Message 4 of 15
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Valued Contributor

Re: TD Bank Denied - Recon?

Good luck with your recon! I hope to hear your success!🤞





My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 5 of 15
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Regular Contributor

Re: TD Bank Denied - Recon?

Thanks guys! Hopefully this works out!

Message 6 of 15
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Contributor

Re: TD Bank Denied - Recon?

good luck! hope you get the good news soon!

 

keep us updated

 





7% Util


Gardening Start 9/18/2020
Message 7 of 15
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Regular Contributor

Re: TD Bank Denied - Recon?

In addition to what was noted earlier w/r/t their conservative lending nature, TD Bank seems to prefer to have an existing deposit account relationship with applicants. Good luck with the recon!

Scores as of 7/14/2020


Planning to garden until April 2020 (started Jul 25 2019)


Message 8 of 15
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Super Contributor

Re: TD Bank Denied - Recon?

Good luck with your recon


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

Color me your color, baby
Color me your car
Color me your color, darling
I know who you are
Come up off your color chart
I know where you're comin' from
Call me (call me) on the line
Call me, call me any, anytime
Call me (call me) my love
You can call me any day or night
Call me

Blondie - Call me ( 1978 )
Message 9 of 15
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Community Leader
Super Contributor

Re: TD Bank Denied - Recon?

What is the individual UT on other cards in your pocket?


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 10 of 15
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