TU Pull Cards

[debts]

thanks.

I just applied for the NFL Extra Points with Barclays and got the message it needs further review.

What do i make of it? 

[Anonymous]

I would call the backdoor number.  I don't have it (didn't save it in my phone when I called) but I know that it is somewhere in the forum.  Sometimes if it is not an automatic approval, they ask you questions about your credit file and you could possibly be approved from there.  When I got the message on the Rewards card and called in, I was questioned on my collections and all my new applications for credit.  Since I had been approved for the Apple Rewards, the CSR suggested that I work on improving my score, showing good payment history on the approved account, and let the collections fall off.  There maybe something in your file they want clarification on.  Good luck.

[Anonymous]

Discover and BOA pulled TU for me.

[debts]

I do have collections on my CR one med collection and one chargeoff .

Maybe a decline.

have to find their recon # and call tomorrow

i cant believe they want a cleanclean file.

[Anonymous]

Discover pulled TU only for me--I'm in Colorado

[debts]

is there a Discover Re-con # that is different number then when you applied and checking status of your app.

I m noticing discover doesn't have one call center for everyone. It depends what time of the day you call and who you get on the line.

I have last four of Telephone# ending in 4736. Anyone have it different.

[Anonymous]

Below are the recon numbers I found on the forum:

Barlcays: 866-408-4064 

Discover: 888-676-3695 

From what I read on the forum, Barclays is very conservative.  How long ago are the collections?  How's your payment history?  Although I didn't get the Rewards card, I was able to explain my situation and get suggestions on how to improve my profile so when I do try again with them in a year, my score will be better.  Plus getting the Apple Rewards card allows me to have credit with them and show responsible behavior.  I didn't call Discover when I was turned down for an unsecured card because I knew my score wasn't good, but having the secured card allows me to get a history with them and in 1 year hopefully it will unsecure.  Synchrony pulls TU.  Do you have any cards like Walmart, Sam's, Amazon, etc...?   Your TU would be good enough to get in with them. 

[Anonymous]

I had the same issue - my EQ was frozen- called they said well,you need to unfreeze.. I tried.. couldn't told them that i have sent in all documetns,...etc.. I said ill try again.. Left it alone

Got a call days later from someone who put my on hold after I told her about the EQ mess and came back saying she pulled TU and congrats on the new Discover IT card.. Maybe wait until they call you if you have EQ on ice..., 

[debts]

i was told to bring down my balance on my maxxed out card before they could approve me for barclays NFL card.

I need to bring this card down to under 50% balance just so it can be approved.

Right now its maxxed out at $1500 however, if its below $750 or less i can be approved. I wonder if i need that card so bad now The Credit Reporting Date (CRD) for maxxed out card is 25th of every month. 

I had the very same issue with Barclays from my application in June 26, 2013 where they simply declined for having no credit cards at all.

Besides, my maxxed out card is only 11 months old. Its maxxed out since last 2 mos. The Credit analyst at Barclays asked me how much you spend each month and how long has the credit been maxxed out

LOWE's gave me an initial credit of $300 and i requested an increase to 25,000 n i was DECLINED. The system allows for only $300 cl at this time is what it said.

I also had a letter from Cap1 letting me know if i would like to request a credit limit increase. i should know in a few days. i have asked for $3500 and nothing less.

I m beginning to see the picture i m profiling of what it really takes to get good approvals. i m just so glad i have just one bureau TU all messed up and saved the best for last (EQ & EX). 2 recent inquries on TU with Barclays and Lowe's (within 1 mo) & most recent 4 Auto Loan Inq.

I m convinced now i m going to do no better until i have so very completely cleaned my report. No more apps until collections/inq are gone.

[debts]

I do hope you are right ivansdad and they call me back.

I doubt it.