Declined Barclay on recon should I call back? Update approved!

[Anonymous]

I knew I was taking a chance applying for Barclay.  My Transunion score is 668 so I thought I would have a chance.  I have a C/O from 2008 that will fall off next month.  Kicking myself now because I should have waited.  Anyway the C/O off and recent inquiries are the reasons they used.  Should I try again and what should I say????  Thanks!

[Anonymous]

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@Anonymous wrote:

I knew I was taking a chance applying for Barclay.  My Transunion score is 668 so I thought I would have a chance.  I have a C/O from 2008 that will fall off next month.  Kicking myself now because I should have waited.  Anyway the C/O off and recent inquiries are the reasons they used.  Should I try again and what should I say????  Thanks!

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Reconsideration got me in with two C/O's and several Auto Loan lates from 6+ yrs ago.

[CreditCuriosity]

I have CO/CA on my TU report and got the rewards MC and Sallie Mae...  So yes they can be overlooked with Barclay's.  Other things obviously play factors as well though such as if you have other credit account or auto loans etc in good standing and for how long, etc.  Recon as you alread took the HP!  Weird thing is I didn't even have to recon the apporvals they were instant, but initial SL I reconned

[Anonymous]

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@Anonymous wrote:

I knew I was taking a chance applying for Barclay.  My Transunion score is 668 so I thought I would have a chance.  I have a C/O from 2008 that will fall off next month.  Kicking myself now because I should have waited.  Anyway the C/O off and recent inquiries are the reasons they used.  Should I try again and what should I say????  Thanks!

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Sorry to hear.. Before answering whether you should recon, how many inquiries do you have if they are using that reason?  A little bit of insight will be helpful..

[TheConstant]

I almost recon'ed successfully with one open CO and an open medical CA. Was denied for thin credit card history, but Barclay's is super nice with the underwriting team (that's who I called). They want to approve you! Even though I got denied, I had a great call and found out some things that will strengthen me. You should absolutely try to recon.

[Anonymous]

I have 7 inquiries.

[Anonymous]

Nixon what did you say?  They asked my why And I told them I was in a very bad accident back then which is true and they asked about the inquiries and I told him I was building credit.  I'm not reall sure what to say . Should I call back tonight?

[Anonymous]

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@Anonymous wrote:

Nixon what did you say?  They asked my why And I told them I was in a very bad accident back then which is true and they asked about the inquiries and I told him I was building credit.  I'm not reall sure what to say . Should I call back tonight?

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Call until you get approved.

[TheConstant]

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@Anonymous wrote:

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@Anonymous wrote:

Nixon what did you say?  They asked my why And I told them I was in a very bad accident back then which is true and they asked about the inquiries and I told him I was building credit.  I'm not reall sure what to say . Should I call back tonight?

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Call until you get approved.

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Nixon is really not joking here. What's your record, like 14 times I think I read somewhere?

[Anonymous]

That's not too many inq. I would keep trying