@McNugget wrote:Those are some pretty big denial issues; nothing close to being iffy. I'd garden and pay down some of the utilization. Your score seems high for somebody who has those reasons listed on their report; I'd almost expect your score to drop. I would not try to recon at this point.
I disagree. As mentioned, Wells denied for the discover balance uti for 2/3 reasons. I was just asking if I pay it off now, if recon would find this acceptable enough to grant a sl, as that is "66%" of the reason denied. Consensus seems to still be no. In that case I will continue paying off the balance over the next 10 months before the 0APR runs out, or 6ish months if I reapply sooner.
They other denial reason was too many accounts in the last 3 months. This is only 1 joint account, I was hoping I could overcome this as well. If they actually denied for inquiries or mentioned the 2018 accounts, I wouldn't have asked! It was unclear to me if the 2018 accounts still bothered them. They mentioned them in the first app, but it was not brought up this time; aside from in my FICO score's factors. Granted my score was on the low side for them.
feel free to share any other DPs. However as far as my app, my questions have been answered! Thanks again guys.
