USBank AR Denial

[Remedios]

I called 800-685-7680. 

[Meanmchine]

Sorry for your denial Rev

My Fico9s are lagging 20 points behind my Fico8s.  I vote we get rid of Fico9

[Meanmchine]

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@CreditCuriosity wrote:

Wow..   Rough.. Wouldn't of expected that with your profile and not really credit seeking heavily at all.. Possibly worth a recon call imho.

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Agree  Big time

[Anonymous]

When I went for the cash plus I was denied because the computer did it and saw all the installment inquiries individually.

When I called and spoke to UW I pointed out they were all from the same loan, rate shopping. They immediately said oh no problem, we will put it back in and I was approved.

[Anonymous]

And nice hair Remmy! 😉

[randomguy1]

I hope you get it. I'll be in the same boat months from now with a lower score. Just inquiries from mortgage rate shopping. 

[Revelate]

Called, they agreed inquiries, and that they were mortgage related.  Back to underwriting, 2-3 days ish.

Appreciate the advice all!

[Remedios]

Yay

Fingers super crossed, @Revelate ! 

[Anonymous]

You are in there

[Revelate]

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@Anonymous wrote:
You are in there

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It seems reasonable that they would but hard to say.  I didn't really have to plead my case at all I just explained I was curious and no harm no foul but that I was surprised at the reason as they were from mortgage shopping.

I haven't needed to recon, actually not since Jan 2013 with the Freedom, but that one was a far more complicated discussion though they could make the decision right there where this one just gets sent back for an apparent manual UW with a note.

It is admittedly a good card for me and as Reme suggests it is a long term one, and much like the CSR back in the day this one isn't about the sub at all if they just give it to me.

Rumor mill is suggesting Sep 1 for my getting back in the air again.