WebBank/Dell Financial Recon

[logan_720]

Sooooo. I apped for Dell Financing last wee, and was shot down. Which sort of amazed me...Fast Forward to today, I recieved my denial letter, I was denied for;

1.) Too many inquiries in last 12 months

2.) Too many TL's opened in last 6 months; Barclay, Amex, and one other.

3.) Total amount of credit lines is too small, as in my credit lines aren't big enough. Seriously?! **bleep**

So I figured I will call and recon tomorrow since I am a Del kinda guy....anyone have any success reconning with them? They also don't use FICO, their scale is 200-900....and pulled EX. On which I have no baddies, or anything. Just inquiries.

Ugh.

[trumpet-205]

Why not? Tell them you have a Dell purchase incoming.

Are you buying laptop? If you are buying dekstop please build your own computer. You get a lot more out of your dollar with DIY than Dell.

[logan_720]

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@trumpet-205 wrote:

Why not? Tell them you have a Dell purchase incoming.

Are you buying laptop? If you are buying dekstop please build your own computer. You get a lot more out of your dollar with DIY than Dell.

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Yes, I was in need of a laptop immediately for school, since we just started Spring quarter, I instead purchased a Dell XPS system that I have 30 days to return to Amazon no questions asked. So I guess I was just wondering how they are with Recons, or if there is someone they could be compared to when it comes to recons, such as Barclays, Chase, etc.

[boomhower]

If Dell won't play ball you could try for Barclay and go with a Mac.  You can dual boot those with Windows easily.  Won't be as cheap but a much better built notebook.(I say that as I am typing this on a Dell notebook!)

[logan_720]

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.

[bichonmom]

Probably no one here has done that. I haven't read any posts on Dell financing. It's only been mentioned in passing a couple of times. You have nothing to lose by calling. Just be sure when you talk to them that you confirm they're not going to do a second HP --- or that they tell you if they are.

[LS2982]

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@logan_720 wrote:

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.

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Have you called for the recon yet?

[logan_720]

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@LS2982 wrote:

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@logan_720 wrote:

I already have a Barclay card that I was planning on sing for an iMac later this year, my limit is only $1,700 so I think I would rather charge a smaller purchase. What I still don't know is, what is reconning with them like because I can't seem to find any posts about anyone's past experience with them, and my denial reasons seem pretty.....stupid.

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Have you called for the recon yet?

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Noooope. I figure I will on Monday. 

[modernsurrender]

I look forward to reading about how it works out for you.  I tried a BML from Webbank through another computer company on 4/2 and wasn't approved (I assume because it forwarded me back to the site and said it couldn't be accessed, but I still have the inquiry on my CR) and would love to try and recon it if possible once I get my explanation letter.

[logan_720]

It just annoys me because the reasons of denial are a joke. As if I could control my credit limits on my cards...anyway, I'll call monday and update you all.