recon skill needed !!

[Anonymous]

Well, I'm still in my app spree... yeah, long app spree since last tuesday. Some of my new accounts are reported on my file, it might be bad.

My profile : my oldest accounts are 10 months and 2 new TL shown at this point. Score is around 710ish, I guess.. (I was around 740 but after about 2-4 inquiries on each agency , I guess it should be around 710) No negative at all. Proven income is 85k

Can someone share their wonderful recon skill with me :

1. I applied for citi diamond preferred and denied. I called the number (800) 695-5171 and the gentleman said my revolving accounts were new (10 months) and 2 more new tradeline shown, he couldnt approve me for this reason. Well, how do I counter that?

2. I got denied for Barclay Arrival and called, the fast-speaking lady (yeah, super fast) approved me for merely 1k.  I asked for more but she said this is what she could give because of my new profle blah blah blah. Should I call again? If so, what other number to call beside the recon number listed on my fico?

3. Chase freedom approved me for 4500. I called for initial cli to 10k and the lady asked for my income and etc and submitted it for me, came back and declined. She said they were unable to approve me any cli, if there's any, she would counter me. Should I call again? or perhaps, any other number I can call.

4, Discover IT approved me for 2000. I havent call to recon the cli yet. I will call again but how to make strong statement that I indeed need larger cl, which is acceptable for them? since their 5% only cap at 1500.

Expert out there, please share your recon skill and information, Thanks!

[ac921ol]

If you own a home, then mention you want to put a bathroom remodel on the card.

[coldnmn]

IMHO short story garden for 6 to 12 months.

[Anonymous]

OP,

What cards and limits did you have reporting before this spree?

[Anonymous]

My current TL shown on reports are :

1. BOA cash reward - 12k

2 US bank plat - secured - 4k

3. Sportman's guide - 8k

4. Mypoint Visa - 3k

That's what I have....any hope?

[09Lexie]

Which are the two new TLs?

[B335is]

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@Anonymous wrote:

Well, I'm still in my app spree... yeah, long app spree since last tuesday. Some of my new accounts are reported on my file, it might be bad.

My profile : my oldest accounts are 10 months and 2 new TL shown at this point. Score is around 710ish, I guess.. (I was around 740 but after about 2-4 inquiries on each agency , I guess it should be around 710) No negative at all. Proven income is 85k

Can someone share their wonderful recon skill with me :

1. I applied for citi diamond preferred and denied. I called the number (800) 695-5171 and the gentleman said my revolving accounts were new (10 months) and 2 more new tradeline shown, he couldnt approve me for this reason. Well, how do I counter that?  Try Citi EO.

2. I got denied for Barclay Arrival and called, the fast-speaking lady (yeah, super fast) approved me for merely 1k.  I asked for more but she said this is what she could give because of my new profle blah blah blah. Should I call again? If so, what other number to call beside the recon number listed on my fico?  Doubtful, Barclay's keeps detailed notes on all customer interactions and stands behind the first CSRs decision typically.

3. Chase freedom approved me for 4500. I called for initial cli to 10k and the lady asked for my income and etc and submitted it for me, came back and declined. She said they were unable to approve me any cli, if there's any, she would counter me. Should I call again? or perhaps, any other number I can call.  $4500 is a good starting limit for Freedom, especially with a short history.  Chase likes to match your high limits.  They've never given me my highest limit.

4, Discover IT approved me for 2000. I havent call to recon the cli yet. I will call again but how to make strong statement that I indeed need larger cl, which is acceptable for them? since their 5% only cap at 1500.  Discover recon is iffy at best.

Expert out there, please share your recon skill and information, Thanks!

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[Anonymous]

1. BOA cash reward - 12k ( it was secured card and recently unsecured and cli to 12k)

2 US bank plat - secured - 4k (Since Jan 2013)

3. Sportman's guide - 8k ( Oct 2013)

4. Mypoint Visa - 3k ( Oct 2013)

[09Lexie]

Is the $12k reporting ?

[Pat94108]

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@coldnmn wrote:

IMHO short story garden for 6 to 12 months.

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+1 That would be my advice as well.