hey guys...
newbee here....
On my way back from a total rebuild.....in 2005 eq 645 TU 675 ex 650.....
I have a cap one 2000 limit 0 balance DISC 1300.00 0 balance ....walmart 850 375 balance and a cheveron 750 300 balance BB store 750 limit 400 bal....
tried and was declined paid 4 cards totally off this month but closed them all down....(Not wise I know)
Barclays reasons back in August were
High utilization on another credit card
High number of recent inquires
Insufficent income..
Not planning on getting a new job anytime soon,other 2 will heal with time....Anything else I can do
MY Chicago Bears BARCLAYS is calling my name
thanks
Don't apply if you have any recent TU inquiries. I just applied for the Indianapolis one (save the jokes) and was declined solely because I had recent TU inquiries. Even called for a recon and the rep said he couldnt do anythhing because I had too many inquiries. Not a big deal since Bank of America approved me right after they denied me. BoA > Barclays
@amercnchopz34 wrote:
hey guys...
newbee here....
On my way back from a total rebuild.....in 2005 eq 645 TU 675 ex 650.....
I have a cap one 2000 limit 0 balance DISC 1300.00 0 balance ....walmart 850 375 balance and a cheveron 750 300 balance BB store 750 limit 400 bal....
tried and was declined paid 4 cards totally off this month but closed them all down....(Not wise I know)
Barclays reasons back in August were
High utilization on another credit card
High number of recent inquires
Insufficent income..
Not planning on getting a new job anytime soon,other 2 will heal with time....Anything else I can do
MY Chicago Bears BARCLAYS is calling my name
thanks
@Creditaddict wrote:I hate it when credit reps get so wrapped up in INQ... if INQ are a fine, then companies like cable, electric, bottle water, gas.. ETC should NOT be allowed to pull HARD pulls... it's obsured.
+100 if they dont report to our CR's on a monthly basis they shouldn't require inquiries that undermine our credit scores!!!
Viva la revolution!!! 
Sometimes it depends on who's on the other end of the phone!
Starting Score: 648