As many of you know GE Capital has been changed to Synchrony Bank. Does anyone have a backdoor number for them?
Thanks! I got through. Unfortunately they would not even consider my recon 
I dont know if I should wait and try again with a different person. The first person that I spoke with said that she wouldn't be able to pull up my information (even though she didn't ask for any of my information. I hung up and called back. The person I spoke with that time just asked for my last four and DOB, then instantly said that she could not reconsider but I could reapply with a co-signer. I told her that if the company had any issues with what they saw on my report I would like the opportunity to explain. She said she couldn't. I dont know if a different person would yield different results or if I should just give up.
@MrsKD wrote:Thanks! I got through. Unfortunately they would not even consider my recon
I dont know if I should wait and try again with a different person. The first person that I spoke with said that she wouldn't be able to pull up my information (even though she didn't ask for any of my information. I hung up and called back. The person I spoke with that time just asked for my last four and DOB, then instantly said that she could not reconsider but I could reapply with a co-signer. I told her that if the company had any issues with what they saw on my report I would like the opportunity to explain. She said she couldn't. I dont know if a different person would yield different results or if I should just give up.
If you were system denied for a card, GE typically doesn't recon.
What CC did you apply for? If your siggy is current, your TU scores may be a little low for some of their cards.
Thanks All! I applied for credit with American Signature Furniture. I had planned to garden more but my 2 year old did some major damage to my family room set recently. They pulled Experian which is my highest score. I was hoping for reconsideration because 2 of the 3 reasons that they sighted are easily explained. They stated that I had too many accounts 30 or more days past due in the last twelve month. Actually my last 30 day late was back in 2012 when I was on maternity leave. It was on my Capital One auto loan. For some reason my CR shows that the lates were in March and April of 2013 (still not in this 12 month period) rather than March and April of 2012. They also sighted that the total amount placed in collections in the last 12 months was too high. I really dont even understand that they are talking about with this one. I have one new collection in the last 12 months and it is only for $54. When I changed my auto insurance I was sent a final bill from Nationwide. I paid the balance on the bill, for some reason they reported $54 to a collections agency (which has never contacted me). I have spoken with Nationwide and the collections agency and have it in writing from them that they are removing the item from my CR. Any other collections accounts still showing are from 2010 or earlier and have been paid in full. (Hoping for some deletions from GW letters). The final reason is that my oldest bank or revolving account was opened to recent, which I can concede to.
I just hate that they dont even give you a chance to explain.
Thanks for the ideas. We looked at Ashleys sofas on Monday but with one toddler boy and one more boy on the way I am sure their more dainty sofas wont stand a chance in our family room (formal living room yes because it is usually a no kid zone lol). We love their bedroom sets though so maybe in the future.
I am debating waiting until next month to see if those issues are removed from my CR and trying again but still being in the rebuilding process I am not sure that I want to keep getting hit with inquiries. We could just pay half up front and put the rest (which we could most likely pay off in 3-4 months) on my Barclays Reward card since I have 6 more months of 0% interest left on there. Not really sure if I will take that chance though. I will be going on maternity leave in a few weeks and would rather not spend a large chuck of cash or put a lot of money on a credit card (just in case any emergencies come up that prevent me from paying off in full completely) because I would be sick to my stomach to be hit with all that interest lol.
And there is no Bobs anywhere near us.
Its frustrating because with the new baby we will have a lot of visitors in the next month or so and I am so embarrassed by the state of my furniture. My son is not completely to blame because we have had the same furniture for about 9 years after getting it second hand. It was already on its last leg but that two year old was the icing on the cake! Too much stress for this pregnant woman! I cried for 10 minutes when I got off the phone with GE. LOL oh hormones how I love thee lol.