I had applied online, got msg that they would contact me by mail. Received a rejection letter from them yesterday. They pulled Equifax, said 'a delinquent obligation, either paid or unpaid, was recorded on your credit bureau report.' So...today I wrote a reconsideration letter (never heard of that till visiting this forum). I tried to explain the derogatory and stressed my 5yr zero-late history with Orchard & CapOne. Will update here when I hear from them again. Do they always respond to a reconsideration letter?