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Experience with backdoor

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squirrely2005
Contributor

Experience with backdoor

What's everyones experience with backdoor number?

Is it sort of 50/50. In the sticky it seemed like pretty much every got what they wanted. But I didn't read through the whole thing since it seemed that way.

Message 1 of 9
8 REPLIES 8
Guava
Established Contributor

Re: Experience with backdoor

It worked for me with Chase, I'm incredibly thankful for the backdoor number. I had 2 collection accounts on my reports at that time (bogus but nonetheless); called in, had to jump through a few hoops but were approved ultimately, with $300 bonus!


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 2 of 9
pizzadude
Credit Mentor

Re: Experience with backdoor

 

I'm not sure which company's # you are referring to, but success will vary based on what you are requesting, the company you are calling, and who you talk to at the company.  

 

The main benefit of most of the backdoor # is the ability to talk directly with someone who has the authority and ability to provide assistance much better than could be provided via the regular customer service #.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 9
Guava
Established Contributor

Re: Experience with backdoor

Yeah, who you talk to is a big one


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 4 of 9
nuggets321
Frequent Contributor

Re: Experience with backdoor

Being Feb 1 today , I apped for the Lowes card that I have been putting off since November. I was instantly approved ( but with a small 500 limit) . I had seen previous posts referencing calling backdoor to see about an immediate CLI. ..... but no dice.....I DID get to speak to an actual "credit analyst" after the frontline CSR routed me to her. She kept me on hold a few minutes then shot me down, but at least I know I tried and appearantly with the right person. Just have to push for the fourth statement to generate to try again Smiley Happy

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 5 of 9
bichonmom
Senior Contributor

Re: Experience with backdoor

My exp w/GEMB is that they usually don't CLI on a new CC. I tried with both my GE CCs and they just don't seem to do it. I don't think I've ever read a post where someone reconed a GE CC and got a CLI.
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 6 of 9
pizzadude
Credit Mentor

Re: Experience with backdoor


bichonmom wrote:
My exp w/GEMB is that they usually don't CLI on a new CC. I tried with both my GE CCs and they just don't seem to do it. I don't think I've ever read a post where someone reconed a GE CC and got a CLI.


 


I seem to recall some people reporting success with doing this with their Lowe's cards.....but that's the only one from GECRB that comes to mind....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 7 of 9
squirrely2005
Contributor

Re: Experience with backdoor

Well I was curious about Amex. I applied for a Zync card a few months ago. It's probably way too far back to even bring up. But at some point one of those number I'm sure will help me out. My manager at work was actually a manager at an american express call center(I work at a qvc call center) and I've always thought about asking him for advice but I don't want to sound silly when I ask. 

Message 8 of 9
learnin113
Established Contributor

Re: Experience with backdoor

Worked once for me.  Barclays. 

Message 9 of 9
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