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Found 19 results

  1. Just called the Chase recon line regarding my Sapphire Preferred application. Called up and spoke to a really nice gentleman for about 15 minutes. I had a security freeze on Experian and I gave him the pin to lift that. He asked me a few questions about my BK in 2010. He asked about my mortgage and income. Then put me on hold for about five minutes and came back saying that he had to send it up the ladder for further review because of the BK. He said in 7-10 business days I would either get my card in the mail or an explanation for the decline. I asked him what his thoughts were
  2. I'm very new to posting to this forum but have been using it for reference over the last month and wanted to share my recon story. I already had a Barclay's Reward Mastercard that I've had for over 7 months now and recently hit the CLI button. When asked how much I wanted, I was rather conservative and only asked for $250 which was granted after about an hour. So then I thought, perhaps I could have asked for more? So after reading on here about people calling the recon line to ask for more, I took a chance. After going over my account and answering a few questions, they granted me another
  3. Hi CBers, I have a question for you. DW app'd for the SYNC Home Design CC w/ EX frozen, after numerous calls to finally get to the correct UW department, and getting the right UW, we had them pull TU and she was approved (and on the 2nd call got a CLI, gotta luv SYNC!!! ). So we wanted to each get the Barclay's US Airways CC, she app'd and was Declined. NOW NORMALLY, I'd have her recon. BUT, as she has many new accts in the last 90 days, I am weary of having her call and have an UW look at her file as I have read that Barclay's is very new acct "sensitive". I remember a comment left for m
  4. I received my Bank of America travel rewards card on Monday, called Tuesday for a CLI from 2500 to 5000, approved. Called today and asked to get bumped to 7500, put on hold for a few minutes, asked some income and employment info, approved. Bank OF America is awesome seems they are very generous with CLI's 2 in 2 days and just got the card Monday.
  5. Hi, wondering if anyone has a Current B of A Recon phone #. I have tried the ones here and have had NO LUCK! DW just got denied for a Better Balance Rewards Card after a $9k CLI on Plat Plus. Hoping to take advantage of the this, since it was a Pre Qual Offer. Thanks
  6. My last CLI spree around September 22-24 resulted in CLI's on 4 or 5 cards but got the 7-10 day notice from CHASE. After I got the letter I recon'ed it. They totally screwed me up by doing this. Got a secure message from them early today saying "Per your request" we have decreased your Credit Limit Got on the phone with them and had to tell my story to 3 different CSR's and literally waited on the phone with them for over 45 minutes just to get my Credit Limit back to what it WAS because they screwed up. Telling them I NEVER requested a CLD and that THEY made the mistake on
  7. I got my denial letters in the mail today, had applied for Barclay Rewards card and US AIr (didn't have any belief my scores supported this, but they have been pushing it, so I figured why not) First off, I thought these were going to pull TU, but they pulled Experian. I should have had Experian frozen, but a few months ago when I went to freeze it, it wouldnt let me online, said I had to mail it in. Never got around to it. My fault on that. EX score from the denial letter- 640 Their denial reasons for US Air: High number of recent credit inquiries Insufficient number of accou
  8. If at first you don’t succeed, you have nothing to lose by trying again…and aiming higher. (Caveat: some have incurred additional HPs in recon attempts. YMMV.) Two weeks ago I went into my local branch of a large regional bank (operating in 16 states) to close a checking account I was seldom using. The Team Leader who always helps me told me he could run a pre-qualifying credit card app, and while I was reasonably certain it wouldn’t work (I’m opted out), I also know they are primarily a TU puller – odds were in my favor that there wasn’t much to lose. I rightly guessed that my “soft, pre
  9. I applied for a Discover card in February 2014. I was declined due to a lien (Federal Tax) from 2009. I was offered a card with a co-signer. The IRS agreed to a Withdrawal of my lien days later. I'm sending a recon letter, with the following information: Attn: New Accounts Discover PO Box 15410 Wilmington, DE 19850-5410 I'm including a letter noting that I would like a new card to do a BT at a lower interest rate for my Barclaycard. I'm including the following information as part of the request for reconsideration: 1) Discover denial letter (copy) dated 19 February 20
  10. So, I'm planning to refi my mortgage in about June. I've been bringing my utilization down over the last few months since that and new accounts is what is hurting the most right now (I did an app spree at the end of May last year that this card was part of). I've been pulling FAKO scores in the mid 600's for TU and low 600's for EQ (I haven't bothered checking EX in a few months). Today I decided to ask Cap One for an increase and got a 33% on one of my cards with them putting it up to 2k. Then I searched around for Discover to see if they do a hard or soft pull. I found that they do a soft an
  11. Hi, guys, So my CRs are all newly clean, and I decided to pull the trigger and apply for Chase Freedom today. My file is thin – one Cap1 secured w/$351 limit reporting since November; 1 DCU Visa with $7500 limit reporting since last month; one DCU car loan, also new; and my Chase auto loan that was just paid off. One inquiry on my EX in the last year. That’s it. No negatives on my file. I just had two awful public records removed and I'm happy about that. I checked my FICO EX before the app and it was 738 so I felt good about my chances. I app and get the dreaded 10-day wait message. Is that
  12. Hi everyone! Many thanks to this board. I have a few of the comenity store cards and recently got the Sportsman Guide Visa (all through soft pulls). I decided to apply for the Ann Taylor Mastercard and got the dreaded 7 to 10 day message. I waited and finally got the letter and it was a denial and I was kind of confused as it said I had a fraud risk score of 796 out of 999. (I don't know what this scoring model means) The reasons listed were just as confusing. Low level of verification (inconsistency of info provided from consumer as to what is found by credit bureau Too many recen
  13. I was approved for a Chase Freedom last week. The card came Saturday and I waited until this morning to call to recon the credit limit because I figured I'd have more success reaching someone who could actually help me on a weekday. So I looked up the recon number this morning (888-245-0625) and reached a very pleasant rep, clearly stateside. However, when I told her I was calling because I'd just received my new card in the mail and wanted to see about increasing the credit limit (as I was going to make it my daily card and didn't want to risk high utilization), she asked why I had called her
  14. I got my first Chase card 4 months ago. Slate with 2000 limit. Have used it heavily and paid in full every month. Just applied for and was approved instantly for 7000 CL. Called next day for CL recon... increased to 10K, since it was that easy I asked for more... denied. Initially i thought "10K is nice since I only got my first cc 9 months ago (cap1 with 300 limit) then thought about it some more and called back. Felt I should have received a higher limit with my income, payment history on other cards, and 3 loans paid flawlessly for high end cars. Talked to a very nice lady in the lending d
  15. Some of you might know the issues I already had with American Express, well in the past few days it only got worse. I'll start from the beginning. Warning! LONG READ! 7/24 - I app for the Amex Detla Gold, they triple pull me and nothing happens for a while. I call in to check the status every few days but no progress 8/7 - A second pull on TU, this makes a total of 4 8/8 - Get an email that I was approved, 2k limit - Also today after reading it was good to get multiple amex cards at the same time I app for a BCE. 8/13 - I get my Delta gold in the mail AND a denial letter dated
  16. Hello All! Just got approved last night for a Barclay's Apple Visa! TU 670. Sweet, but wanted to recon underwriter to up that more. Anyone have a good backdoor phone number for them? Thanks to all.
  17. I would assume that higher income means greater opportunity for credit, higher limits, etc. Other factors matter too, of course. My reason for asking is my GF has had a pretty meteoric rise in income the last 5 years, going from around $40K to just shy of $100K. My question is, how do creditors KNOW that other than you entering the information on applications? How would current creditors know so they might consider CLIs? Is this sort of like a tree falling in the forest, if no one knows or hears, does it really make a difference? Thanks!
  18. I just applied for a DCU CC...I got the message that someone will get back to me...blah blah blah. I never heard back so I called today and the "credit manager" looked at it...I was denied. 2HP for nothing...does anyone have any success with recon? Does anyone know a phone number I could call. Thanks!!
  19. Hey all, I was recently approved for Navy Federal's Platinum card with a $14K limit. I transferred about $11,600 from my BOA MasterCard. I was concerned about high utilization on the card but I really wanted to take advantage of the 0% . At any rate, on the second call to customer service, I got a nice rep and explained my concern and she submitted a CLI request to the lending department with all the comments I had mentioned. I asked for 20K just to be safe. So, I check my account this AM and my credit line had been increased to 20K!!! This brings my available credit to $90K. And
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