Denied for Barclaycard Visa, called to recon today and was approved!

[msvee32]

I am in the process of re-establishing my credit and after doing a bit of research on here I applied for a Barclaycard Visa® with Apple Rewards. I was denied last week and today I called 866-408-4064, which was provided on another myfico form by a contributor. The rep went through my credit report and asked me a couple of questions.....1. why I filed bk in 2014 - I responded that I went through a divorce. 2. why do I have 2 closed cc accounts with balances - I stated I still make payments on the accounts but the accounts are in dispute (First Premier). She said ok and approved me for $1000 to start. She told me once my acct is established with them I can call and request a credit increase. Just wanted to thank all the contributors for sharing. This website is a great tool to helping folks re-establish themselves! 

[916networktech]

Hooray

http://www.andoverandvillages.co.uk/images/0lucy/anigif_enhanced-4848-1404506068-54.gif

[Shawndoe79]

Way to go! Congrats

[Anonymous]

Good job, congratulations. Dv

[Anonymous]

Congrats!  Do you mind sharing your data?  I'm thinking of applying for the Barclay Apple later on this week after all my paid balances  and CLI updated.  Still somewhat hesitate because I don't want to waste an HP on it.  Thanks

[msvee32]

Current Scores EQ 580| EX 660| TU 680

I have items that are currently in dispute, EQ - is very stubborn which is why you see such a big difference in my scores

[Anonymous]

Wish the best working with Equifax! They equal the true dictionary definition of "dumb." I will add stubborn! Ride them like a horse and don't give up.

[Anonymous]

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@msvee32 wrote:

Current Scores EQ 580| EX 660| TU 680

I have items that are currently in dispute, EQ - is very stubborn which is why you see such a big difference in my scores

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Thank you.  My score is very similar to yours.  EQ is also my lowest right now since of a charged off account got updated recently.  I also have a collection with PRA and around 15 inquiries listed on TU.   From what I read here, it seems like Barclay is somewhat sensitive to high inquies..  Hopefully once all my balances are updated down to 20% UTI, TU score would go up a bit to make up for the high inquiries.

[msvee32]

I will!

[msvee32]

My TU is where they pulled and I do have a lot of inquiries, 11. I am working on those as well. EQ and EX have me at 4