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CSP - recon approved after initial denial

New Visitor

CSP - recon approved after initial denial

Hi all, 


First time user here. Just wanted to thank the community here about the info. I'm a foreigner working in the US for the past couple of yearsso kinda new to this credit score system. I do have credit cards but I have never put too much emphasis on the importance of building and managing my credit score.

applied for CSP just before labor day. When I wanted to know how can check my application status, I saw there's no official way to do so. After googling, I came across this great forumUsing the backdoor numbers, I got a live person telling me that my application was denied. While I'm not sure about my current accurate score, I know it should be a good one. Taking into account the suggestions on recon, I asked them to take another look at it, and was approved instantly for 10k CL (not my largest CL but still nice). The reason for my initial decline was b/c I applied and were approved for Chase Amtrak card 3 weeks ago (for work) and apparently the computer doesn't like multiple application is such a short notice

If it wasn't for the info here, I'd probably gotten a decline letter in 10 daysabsorb the hurt of the inquiry on my report, and live on (like I did twice in the past for toy cc).



Message 1 of 6
Frequent Contributor

Re: CSP - recon approved after initial denial

Congrats on your approval and welcome to the forum Smiley Happy

Message 2 of 6
Mega Contributor

Re: CSP - recon approved after initial denial


EQ FICO 548 3/3/16
Message 3 of 6
Established Contributor

Re: CSP - recon approved after initial denial


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 6
Valued Contributor

Re: CSP - recon approved after initial denial

Congratulations!  Nice CL!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 5 of 6

Re: CSP - recon approved after initial denial

That's great news! This forum has helped me in the very same way, glad you had good successSmiley Happy

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Message 6 of 6