so i applied a few weeks ago for the chase marriott because I want it desperately. I'd recently paid off most of my cards, and they were mostly all reporting as paid off but not all of them. I was given the 7-10 day message, called the recon line, told I was denied for too many cards reporting with balances. The dude told me to wait until the last few cards posted as zeros and then try again.
So that happened a few days ago, and I'm down to only two cards reporting a balance, both under 30%, and like 10 other cards all reporting 0's. I pulled all three bureaus today on myfico to verify that the balances were reporting zero and then called the recon line again. I agreed to have them repull my credit, and they did, and I was still denied. The lady said that my credit cards were still reporting large balances, and that the consumer credit report (not SCORE, REPORT) was different than the credit report that banks pulled. And that it might take 45 days to update. I told her that I had pulled my actual credit reports this am and that I had never heard this before, and I asked her to repeat herself a bunch of times. She acted like I was an idiot- everyone knows that banks see different data than consumers when pulling credit reports! I was under the impression that the calculated SCORE might be different, but that the law required that the underlying INFORMATION be the same. Am I insane here? Has anyone been told this before?
I hate that I have to go through Chase to get the Marriott card. 
I would be trying again and hoping for a better representative.
