Denied for Wells Fargo CC and Citi CLI but score jumped 84 points...

[fatjoe8]

Should I call the credit analyst numbers for each company and ask for re-consideration?

I recently paid down some credit cards and my score improved from 599 to 683.

I currently have the following:

(2) Cap 1 CL of $1500 and $750

Citi   CL of $1900

(2) Bank of America CL of $1900 and $1500

Orchard Bank CL $800

Discover CL $300

Macys CL $300

I only owe $2200 total among all the cards so my utilization is low now. However, I have 5 baddies (3 collections and 2 accounts with lates....everything is paid in full). 1 collection is getting deleted due to a GW and the other 2 probably aren't going anywhere. I have 1 late payment on a WF auto loan and 1 late payment from 1st Premier Bank 4 years ago...

My BOA old CC is really bad. I was 120 days late, 90 days, 60 days, 30 days, for two consecutive years. Then it was paid off around 2009 and appears as "OK" since then.

I also have 10 hard inquiries....

Student loan in deferrment

Auto loan current on now owe $6500 from original 17k....

So, knowing all that, I was denied for a "pre-approved" WF card despite having 3 banking accounts with them, and denied a CLI of $1100 with Citi who I have an excellent history with. Should I call and ask for reconsideration given the massive spike in my credit score? Any tips on what to say?

Thanks for any and all suggestions!

[dodgerslv]

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@fatjoe8 wrote:

Should I call the credit analyst numbers for each company and ask for re-consideration?

I recently paid down some credit cards and my score improved from 599 to 683.

I currently have the following:

(2) Cap 1 CL of $1500 and $750

Citi   CL of $1900

(2) Bank of America CL of $1900 and $1500

Orchard Bank CL $800

Discover CL $300

Macys CL $300

I only owe $2200 total among all the cards so my utilization is low now. However, I have 5 baddies (3 collections and 2 accounts with lates....everything is paid in full). 1 collection is getting deleted due to a GW and the other 2 probably aren't going anywhere. I have 1 late payment on a WF auto loan and 1 late payment from 1st Premier Bank 4 years ago...

My BOA old CC is really bad. I was 120 days late, 90 days, 60 days, 30 days, for two consecutive years. Then it was paid off around 2009 and appears as "OK" since then.

I also have 10 hard inquiries....

Student loan in deferrment

Auto loan current on now owe $6500 from original 17k....

So, knowing all that, I was denied for a "pre-approved" WF card despite having 3 banking accounts with them, and denied a CLI of $1100 with Citi who I have an excellent history with. Should I call and ask for reconsideration given the massive spike in my credit score? Any tips on what to say?

Thanks for any and all suggestions!

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you actually could proably recon with WF. When i applied back in April i was first denied and i called them and after knowing the reason they denied me the lady said she will resubmitt the application to UW so i think you do have a shot with them. Good luck and keep us posted.