It just worked for me. APP'ed and called 3 minutes later. It was in the system. Told Denied but asked for recon.
She basically walked me thru my report asking questions
'Lot of inq's lately' answer 'well you have to apply for credit to establish credit, I didn't realize there were a lot, I'll have to watch that if that's considered bad'
'You had some lates on your auto loan' answer ' I bought my (wife-son-daughter) a car and she had trouble making the payments, I know it was in my name and I've rectified the situation by putting it on automatic withdrawal.
'theres an old account with some late payments that went into collection but was paid answer ' that's being disputed and it's not mine, it should falloff as soon as they review it this week'
Let them here what they want to hear.
If they deny your no worse off than before
Good Luck
Jax
Jax
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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
