cancel
Showing results for 
Search instead for 
Did you mean: 

CSR denied: lack of activity (NOW APPROVED!)

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
New Member

CSR denied: lack of activity (NOW APPROVED!)

I applied a couple of weeks ago and recently got denied because of "lack of activity." I'm very shocked because I have 2 cards open with AAoA of 5+ years, no debt, a perfect payment history, and a FICO score of 800+. Spoke with Recon but they kept saying they aren't comfortable because there isn't a lot of activity on my credit report. Seems like I'm being punished for not opening a bunch of credit cards...

 

Any ideas on what to do? Recon is scheduled to speak with me sometime over the next 2 days. I'm not interested in opening a CSP and I'm only interested in the CSR because it's better than my current card.

Message 1 of 25
24 REPLIES 24
Frequent Contributor

Re: CSR denied: lack of activity

Make some more transactions to create credit history. No activity is almost the same as no credit history. Without data, the FICO algorithm cannot compute.


Starting Score: (Nov 13) EQ 650, EXP 750, TU 750
Score: (Aug 2, 2014) EQ 722, EXP 780, TU 777
Score: (Aug 11, 2014) EQ 781, EXP 784, TU 779
Score(Nov 22, 2014) EQ 814, EXP N/A, TU 781
Score(Dec 16, 2017) EQ > 720, EXP ?, TU > 730
Score(Mar 10, 2018) EQ 736, EXP 740, TU 724
Score(Apr 7, 2018) EQ 752, TU 750, EXP 753
Score(Jun 14, 2018) EQ 784, TU 771, EX:777
Score(Feb 20, 2019) EQ , TU 713 , EX:
Goal Score: EQ 800, EXP 800, TU 800 | Take the myFICO Fitness Challenge



Message 2 of 25
Senior Contributor

Re: CSR denied: lack of activity

What are the credit limits on your two cards?  How frequently do you use your cards?

 


@MadDog12 wrote:

I applied a couple of weeks ago and recently got denied because of "lack of activity." I'm very shocked because I have 2 cards open with AAoA of 5+ years, no debt, a perfect payment history, and a FICO score of 800+. Spoke with Recon but they kept saying they aren't comfortable because there isn't a lot of activity on my credit report. Seems like I'm being punished for not opening a bunch of credit cards...

 

Any ideas on what to do? Recon is scheduled to speak with me sometime over the next 2 days. I'm not interested in opening a CSP and I'm only interested in the CSR because it's better than my current card.


 





Message 3 of 25
New Member

Re: CSR denied: lack of activity

I use my card every single day. And I pay it off every month. 

Message 4 of 25
New Member

Re: CSR denied: lack of activity

One has a limit over 12k, 2nd has a limit over 17k. I use the 2nd one daily. 

 

 

Message 5 of 25
Senior Contributor

Re: CSR denied: lack of activity

Paying in full is fine but do you ever let balances report?





Message 6 of 25
New Member

Re: CSR denied: lack of activity

I pay them at the very last possible day, so I'm guessing the balance has to be reported.

Message 7 of 25
Established Contributor

Re: CSR denied: lack of activity

Doh!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 659, EQ 696, TU 739 (02/24/2018)
1st Goal Ficos: EX 700, EQ 700, TU 750 (12/31/2018)
~~~Credit lines~~~~
BofA Platinum Plus: $2000
Capital One Platinum: $500
Discover It: $10,500
Chase Freedom Unlimited: $6400
Home Depot: $500
BofA Cash Rewards: $1500
Lowe's: $1000

My Credit Rebuild


Take the myFICO Fitness Challenge
Message 8 of 25
Community Leader
Super Contributor

Re: CSR denied: lack of activity

You pay them after statement date and before due date correct?
Message 9 of 25
New Member

Re: CSR denied: lack of activity

Paid on due date, never on statement date.

Message 10 of 25
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.