Resending credit file...

[joymonica79]

How do I go about resending my credit file to cc companies that have recently declined my applications? I've had a change in statuses and scores since applying?

Joy

[MarineVietVet]

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@joymonica79 wrote:

How do I go about resending my credit file to cc companies that have recently declined my applications? I've had a change in statuses and scores since applying?

Joy

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I'm not sure what you mean by this.

You can always call them and ask for a recon (reconsideration).

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[smc733]

And then in this case, if they ask you to send an updated report, they'll provide you instructions.  Keep in mind, however, this may not work if the application is over 30 days old.

[JayRizzo]

Yes a call is good, but I have a feeling they will need to re-pull a new hard inquiry as many would still hold on to your original app from 30, 60, or 90 days... that info is static on the day they pulled it.  In order to see updates, they will need to re-pull.

[Creditaddict]

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@joymonica79 wrote:

How do I go about resending my credit file to cc companies that have recently declined my applications? I've had a change in statuses and scores since applying?

Joy

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What bank... American Express is the only one I know of who will except a FULL Experian report pulled directly from Experian website.

All other banks that I know of will just tell you to apply again after 30 days, 60 or 90... Chase is 6 months

[MarineVietVet]

Well all the responses so far show why I tend to tread lightly here in CC's. 

Since my youngest card is over 6 years old I don't keep up with things as I probably should.

I will slink away now. 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Creditaddict]

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@MarineVietVet wrote:

Well all the responses so far show why I tend to tread lightly here in CC's. 

Since my youngest card is over 6 years old I don't keep up with things as I probably should.

I will slink away now. 

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Sits on hands... no apps for 6 years!! I'm ashamed now. lol

I think I picked up another 15 inq in less than 7 days just trying to refi my car! hehe