Why are backdoor numbers so successful

[BearsAndTurtlesRtheBest]

So how do they reverse the denial? Yeah they take a look in depth into your credit, so do they have the power to approve your app that instant. I see it almso as switching the light on and off.

[randeman]

I kind of wonder why they ask questions about things that are obviously right there in front of them if they are looking at your credit report.  For example, do you often make higher payments than the minimum?

[takeshi74]

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@mjnierva23 wrote:

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1.   

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They aren't for everyone.  Be careful performing any sort of statistical analysis to extrapolate broad trends from any discussion forum site.

[WolfMan]

The computers that approve/decline are hard coded to meet certain criteria. 

For example, If I apply for Billy Boob's Bank 50% Cash Back Card. 

In their computer, its hard coded I need a score of 801 or more, 4 or less inq, and utilization of 3% or less. 

The system pulls a report and sees 6 inq, and Declines. 

Because I recently bought a brand new Yugo, the delaership pulled, and then pulled 4 banks to get me the best interest rate. 

I call the back door number, and explain this to Billy Bob's Bank. A human, then will count the 5 from the recent car as one, sine it's only one attempt at me trying to get new credit, and then looks over the rest and notices I'm actucally pretty credit worthy, even after buying that 80,000 dollar yugo!

Of course theres no Billy Bob's bank, but you get the point. 

[mjnierva23]

I can understand about reversing a denial from a computer but what about applications that go to 10 day and 30 days reviews aren't those applications reviewed by people so what makes one person approve a application and another person deny an application. I feel like the criteria should be the same for whomever is reviewing the application.

[bostonte]

Most of the "recon" and backdoor threads posted around here aren't really denials being over turned. For some reason people got the idea that getting a non-instant 7/10/30 day message and immediately calling a "backdoor" number is a reconsideration.

It's not, it's basically cutting to the front of the line to have your application reviewed immediately versus when they get you it in the queue.

Letting them review you while you're on the phone is probably more successful because they don't have to assume or guess at anything, they can ask, plus there's some psychology involved. It's harder to say no when someone is on the phone with you versus blindly clicking decisions on a computer screen -- so they may look further to see if there's a way to fit your application within the approval guidelines.

[BKFireFly]

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@takeshi74 wrote:

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@mjnierva23 wrote:

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1.   

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They aren't for everyone.  Be careful performing any sort of statistical analysis to extrapolate broad trends from any discussion forum site.

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I have used the recon approach and been denied...reconned twice answer was still no. So your statical grouping is incorrect. If you read further into this site , you will actually see the true beneifts of this site to its many users.