What are your scores, and what is your situation? I was declined the first time, but was approved with them with a recon fax.
Starting Score: 583 EQ, 612 EX, 569 TUIMHO I would try to get your utilization down between 1 - 9% (if you can). I think this would boost up your score some, which could not hurt. I would then send a recon fax to them and request that they pull a new CR (since they will use the old one for 60 to 90 days). In the recon fax I would explain the late payments for Verizon and point out how you have been perfect on payments the last 2 years.
Also, if you have opened a lot of new accounts recently, then I would explain this. Creditors get a little nervous seeing so many new accounts.
Now let me say that if you cannot get the utilization down under 10% in the next month, then I still would send a recon fax to them. When I signed up to their Credit Union, I thought they were very easy to get a CC through. However, I have learned that they are not as easy to get as I thought, or they might have just tightened up their lending policies from what they used to be. I guess what I am saying is that you should not worry about the first denial. I was denied at first, and my first recon was denied. However, 30 days later I reapplied and they gave me a CC.
Hope it helps. Your score is fairly close to what they require. I think if you can just boost it a little by lowering your util. %, then your in. Good luck.
Ashabbir1,
How many new accounts do you have? May I ask what they are?
Lol Tim. You are right I think main reason is I have opened too many accounts in short time 
SHould I try NASA before I go to sleigh center ?
Thanks for your reply John. Within 2 weeks I got Target, Spiegels, walmart, dillards, macys, applied bank.First national and cortrust . These are the ones I got approved. I got declined for lowes, gemb credit card, spiegels credit card, eddie bauer credit card, I am still waiting for wamu and hooters. I applied for hooters on the 17 and I just called today and it is still pending
. These are the ones I got approved. I got declined for lowes, gemb credit card, spiegels credit card, eddie bauer credit card, I am still waiting for wamu and hooters. I applied for hooters on the 17 and I just called today and it is still pending
No, go directly to the Sleigh center, do not pass go, you will not pick up the WAMU for too many INQ's.
Message Edited by Timothy on 10-26-2007 08:58 PM
@Anonymous wrote:Lol Tim. You are right I think main reason is I have opened too many accounts in short timeSHould I try NASA before I go to sleigh center ?
Message Edited by Timothy on 10-26-2007 08:58 PM