any way to get cap1 to recon my app?

[Reese2107]

I've already called regular CSR and the credit analyst backdoor number. However they both said "the decision is final" however to be honest I Dont really believe that. After hard pulls from all three bureaus. There has got to be something I can do....besides wait thirty days and reapply for three more hard pulls as they suggested. Please help.

[LS2982]

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@Reese2107 wrote:
I've already called regular CSR and the credit analyst backdoor number. However they both said "the decision is final" however to be honest I Dont really believe that. After hard pulls from all three bureaus. There has got to be something I can do....besides wait thirty days and reapply for three more hard pulls as they suggested. Please help.

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-What does your credit file look like?

-What card did you apply for??

[Reese2107]

The journey student card. I baddie...closed on ex and open but not derogatory on Tu. Just got approved for wells Fargo secured card with 1000 dollar limit. But its not reporting yet. Average about 605 across the board.

[LS2982]

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@Reese2107 wrote:
The journey student card. I baddie...closed on ex and open but not derogatory on Tu. Just got approved for wells Fargo secured card with 1000 dollar limit. But its not reporting yet. Average about 605 across the board.

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How long has the journey card been opened??

605 is kinda low for WF, hopefully they can overlook that with the positive history you have on the other CC accounts.

[Reese2107]

Lol. Other way around. Capital one denied me for journey. Wells Fargo approved me for secured card. That's why I was trying to see if I could recon with cap1. Even though they said I couldn't. I just Dont think I was talking to the correct people.

[LS2982]

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@Reese2107 wrote:
Lol. Other way around. Capital one denied me for journey. Wells Fargo approved me for secured card. That's why I was trying to see if I could recon with cap1. Even though they said I couldn't. I just Dont think I was talking to the correct people.

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LOL i did flip those.

605 is borerline with Cap1, you said you just opened the WF account so its pretty much new. You can try their EO.

1800 955 1455

IMO I would leave cap1 alone for now, you already have a secured card. Make deposits on that card to increase the CL and try for a local CU card in 6 months. Its not worth another 3 HP's.

[Reese2107]

As much as I Dont want to....I will take that advice. Thank you.

[Anonymous]

If the only card card you have is the secured WF card with no history, I think it is best to garden your WF card for a full year and then try for an unsecured card. When first starting out, you need to garden the first trade line for a full year before trying unsecured. FP or Credit One will probably approve you right now but I don't recommend it because the fees are outrageous.

Cap1 doesn't have a recon dept. you can try the EO but that is more so for current customers to get CLIs, PCs, or the AF waived.

You are off to a good start. You just need to be patient and build history with Wells Fargo right now and in a year, your score should be at least mid 600's and you should have a good chance at approval with Cap1. I am not sure why the CSR recommended you reapply in 30 days...that is way too soon and will just waste more inquiries.