I am writing requesting reconsideration of the denial of my recent xxxxxx card application.
It appears I was denied after you pulled my CRA HERE report. While the letter I received did not include specific reasons as to why I was denied, I would still like to go over the potentially negative information on my report.
I do have high credit inquiries at this time. Most of these are due to a mortgage and auto lender shopping me around without my permission.
I also do indeed have high utilization reporting at this time. This was due to helping a family member in need. I recently paid off my credit cards, and I expect my report to reflect these changes within 30 days.
One Collection Account
girlie wrote:I am currently obsessed with my fico scores and this board has such great information.thank you!
No problem, and good luck! I should state that I am just sharing my knowledge. I certainly did not write nor can I take full credit for this or the other letters have shared.
KevKaos wrote:Tuscani,I just mailed off my letter of reconsideration yesterday. I used your letter as my guide and mine ended up being two full pages. I thought it was pretty good, and I'll let you know if it worked. In the meantime, I am now working to get what I believe are invalid lates knocked off my CR. These are the main reason given for my refusal. Thanks for your efforts, I for one, really appreciate them.