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Forgive me for I have recon'd

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Longroad
Established Contributor

Forgive me for I have recon'd

I know that I said I was in the garden, but apparently I was a little premature with that statement. I did not make any new apps, but apparently my competitive side won out and I did recon a couple of denials that I had received during my previous app spree. While I was reviewing my denial letters I noticed that my denials all came from CCC that pulled EX. When I reviewed my EX report there was an old lien that still showed as unpaid. The 2 other CR showed correctly as released. 

 

So I called Barclay and AMEX and explained the situation. The gentleman at Barclay was extremely nice and professional, and reviewed my app while I was online. He approved me for $1000, not what I had hoped, but I will take it and make it grow over time. The AMEX is still under consideration. It was Tuesday afternoon and the gentleman told me it would be 48 hours (which has come and gone) and the online application status still shows as "in progress". I am hoping that it is still under review means that they are trying to approve it. Maybe that is wishful thinking. 

 

Message 1 of 16
15 REPLIES 15
coldnmn
Mega Contributor

Re: Forgive me for I have recon'd

Do what you have to do. Never take no for an answer always recon as you found out it pays. Good Luck with AMEX.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 16
sccredit
Valued Contributor

Re: Forgive me for I have recon'd

I believe that once you take the hard inquiry that it is worth pursuing it to approval

 

Message 3 of 16
myjourney
Super Contributor

Re: Forgive me for I have recon'd

Congrats on one and good luck on the other

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 16
pizza1
Community Leader
Super Contributor

Re: Forgive me for I have recon'd

Congrats on Barclays, and hope you get Amex too!!! Did you tell Amex to put both of the CB to prove that it's showing correctly and that you're disputing on EX? Post back results and good luck!
Message 5 of 16
djc1puno
Valued Contributor

Re: Forgive me for I have recon'd

WTG op and gl Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 6 of 16
Fico2Go
Established Contributor

Re: Forgive me for I have recon'd

Recons are great if u can clarify issues on your cr. But most likely not useful if u have no credit or no history.

What is it that u want them to reconsider? That would be the question I ask first.
Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 7 of 16
Longroad
Established Contributor

Re: Forgive me for I have recon'd

They were going to pull TU where it shows the lien paid almost 18 mos ago. Just looked and it was pulled yesterday. I have my fingers crossed. Hope to hear soon. Thanks for all of the good info on this forum. 

Message 8 of 16
B335is
Moderator Emeritus

Re: Forgive me for I have recon'd

Congrats on Barclays. I know how unnerving it can be checking that Amex application status lol. Goodluck!
Message 9 of 16
slap_happy
Frequent Contributor

Re: Forgive me for I have recon'd


@Longroad wrote:

They were going to pull TU where it shows the lien paid almost 18 mos ago. Just looked and it was pulled yesterday. I have my fingers crossed. Hope to hear soon. Thanks for all of the good info on this forum. 


if they went as far as pulling another CR I think your in good shape, they will see that it is paid and will not have much reason to decline, welcom to the amex family! Smiley Happy




Message 10 of 16
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