Should I recon denied Amazon card over wrong credit score?

[seetheworld1]

Hi, everyone,

On my CRAs, I have a paid federal tax lien from 2011, a paid judgment from 2010, and one installment loan (auto) that is paid on time every time. I recently applied for an Amazon store card (GE money) but was denied. Do you think I should try to recon? I just got a Capital One secured card but it won’t have any reporting yet because it’s so new. This is what the denial letter gave as reasons:

 

Too few revolving accounts

Too many inquiries in the last six months

Lack of bank revolving information

Account in collection or 60 days past due or adverse public records

 

The letter also says my credit score was 417. Ridiculous. They pulled TU, and according to FICO, my score at the time was 649.

 

Do you think it’s worth disputing the score reported with TU, or reconning GE?

 

Thanks for your advice.

[seetheworld1]

Hi, everyone,

On my CRAs, I have a paid federal tax lien from 2011, a paid judgment from 2010, and one installment loan (auto) that is paid on time every time. I recently applied for an Amazon store card (GE money) but was denied. Do you think I should try to recon? I just got a Capital One secured card but it won’t have any reporting yet because it’s so new. This is what the denial letter gave as reasons:

 

Too few revolving accounts

Too many inquiries in the last six months

Lack of bank revolving information

Account in collection or 60 days past due or adverse public records

 

The letter also says my credit score was 417. Ridiculous. They pulled TU, and according to FICO, my score at the time was 649.

 

Do you think it’s worth disputing the score reported with TU, or reconning GE?

 

Thanks for your advice.

Actually, to update, GE's letter says the credit score they cite was developed by them. Anyway, do you think it's worth trying to recon? Thanks.

[moosetracks]

Always try a recon but I believe that score is too low for them to approve. Work on getting your reports cleaned up would be the best course of action before apping for more unsecured credit.

[mariuszh]

Always try a recon but I believe that score is too low for them to approve. Work on getting your reports cleaned up would be the best course of action before apping for more unsecured credit.

 

Agreed. With no revolving trade line and two major delinquincies I would be shocked if you received an approval.

[seetheworld1]

Okay, will do. Thanks for your advice!