Recon a Recon

[way2evil]

I did a recon for the amazon visa last week and thought I'd share here. TU is 745 EQ is 715. I am 19 years old, have two other reporting tradelines, BoA visa with $2500 line, and Discover Open Road with $500 line. Both are my accounts, no AU. I went to buy an American Flag on Amazon after hearing the great news and saw the app for the amazon visa. Figuring all the money I spend on amazon, the 3x points would be great. Go ahead and apply and get the 30 day message. I called the recon number you posted, the 0625 one, and got a nasty rep who said she wouldnt open a recon for a 19 year old. I said thanks and hung up. Kept calling back until someone answered with a nice voice and hung up on the rest. I finally got a guy that seemed like he liked his job, spent 10 mins on the phone, and approved for $500. Wish I could've got more but I'm sure it will grow once they see the use.

[Anonymous]

I'm just curious, when you ask for a recon through one of the backdoor numbers, is it another hard pull?  I asked for a CLI from Chase in February, but was at 90% utilization on all 4 cards I own (BofA Visa, Credit One Visa, Household Bank MC, Chase Visa)  I have a 5800 CL on the Chase card, and was given only a $200 increase.  Now the card has zero balance (as do all others) so thought about calling in the backdoor number for more substantial CLI but have 5 hard pulls on my EXP report.  Any advice?  

PS: I haven't pulled my FICO's yet, as all my cards were just paid in full last week and want to ensure they are up to date.  My CC statements have all updated as of today, but not sure if they've been reported to the Bureaus.  Last week my EXP PLUS score was 716, which I know doesn't mean much as it's not a FICO.  Critical that they update before any more pulls.  Please help.

[slarano]

Although interesting, I don't think I would ever try and recon a recon, simply because the account specialists you're speaking with should already have a record of your recent inquiries through their departments, including the reconsideration you already attempted. 

[ReVeLaTeD]

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@simonlarano wrote:

Although interesting, I don't think I would ever try and recon a recon, simply because the account specialists you're speaking with should already have a record of your recent inquiries through their departments, including the reconsideration you already attempted. 

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I have a story to tell. In summary, YES, it does matter who you get, frankly.  In my world, I have to get a young female.

I applied for the Chase card, they pulled Experian that has a ton of faulty tradelines, got denied.  The guy I spoke to was nice enough but basically said there was nothing he can do.  His supervisor was flat out rude and refused to work with me.

I mulled it over for about a week.  Then confirmed that the other two bureaus were clean...and called recon again.  This time, long story short, got a very sweet young gal, figure she was late 20's, who was more than willing to run Equifax at my request, which was of course crystal clean.  Got asked a bunch of questions about inquiries, answered honestly.  Thursday I just mailed back my proof of address, they should get it Monday or thereabouts.  So we'll see.  At least she was willing to consider the fact that the other bureau was spotless, validating what I was telling them that Experian was 100% faulty and always has been.

[slarano]

Well, best of luck! I had a nice enough account specialist during my reconsideration, and he was straight up and up front in telling me what I had to do to get a different result next time, that I just need to lessen the amount of accounts I have open that carry a balance.

A handful of months doesn't hurt in my case. For example, in January I app'd but was denied for a Discover More. I waited 5 months before app'ing again with Discover, and this time around I was instantly approved for Discover More at $2500. At this point in my credit career, I'm using new cards for their balance transfer features, helping me to cut in on my revolving accounts, lowering overall debt without paying any interest. Doesn't hurt that I am getting Prime cards to do this all with.

[DI]

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@sarahscott1561 wrote:

Just so you guys know: I called Chase about a recon yesterday.  I tried to call back today to talk to someone different, and this is what he said, "You just called in yesterday about reconsideration. Do you want me to repeat what you were already told?! If someone else told you no already, why would I tell you any different. I hope you know that we do make notes on the account!"

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I worked in a high volume call center before.  I had to tell someone that before when they called several times within one day.  Some people do not know that a note is left on the account about what was said each time the person call. 

[Anonymous]

I agree with Di.  A recon is one thing, but if you call more than once you risk being pegged as a pain in the rear.  That's not company policy of course, it's human nature.  I can see where repeated calls can deep six an application.  If you're perceived as a hassle while still an applicant, why would they want an ongoing relationship with you as a client?

[DI]

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@Anonymous wrote:

I agree with Di.  A recon is one thing, but if you call more than once you risk being pegged as a pain in the rear.  That's not company policy of course, it's human nature.  I can see where repeated calls can deep six an application.  If you're perceived as a hassle while still an applicant, why would they want an ongoing relationship with you as a client?

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This may be a bit off subject, but I'd like to say this. We had the same customers who called every month.  The customers who always called are the one's who consistently pay late, have returned checks, try to get out of paying their bill and blamed the company for their high bill.   We never heard  from customers who paid their bills on time every month. 

[Anonymous]

That's true of life in general.

[n777ua]

I wish the OP the best, saying that however...

In college I worked part time in a financial services call center.  When someone would call in and they called over and over and over again, it was obvious they were a pain in the you know what.   Almost instinctively, those folks probably wouldn't get the help or attention of other clients simply b/c we were telling them the same thing over and over again.  Financial service companies are very strict, EVERY time you call in, its noted in your account.  If a CSR sees call after call, they are probably more inclined not to help you.

Wish I had something better to tell you, and hope it all turns out well.