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Question: How long after the initial denial is RECON an effective option?
I applied for an AMEX/Costco TrueEarnings card in 07/2008 and was denied. Only after discovering myFICO in 02/2009 did I begin the credit repair process. My credit profile looks different now than it did then, which was 9 months ago. Should I RECON a 9-month old denial or simply re-apply?
I believe after 9 months you would have to reapply. I would think recon would only work within 30 days.
Have never had to try recon myself, others here may know better.