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Back Door Numbers

KreditKing

By KreditKing
in Credit Forum

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The last post in this topic was posted 4276 days ago. 

 

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KreditKing

KreditKing

Posted
Posted

Backdoor Numbers

A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) -these people/departments have decision-making abilities greater than frontline CSR's, they are able to take and review requests for reconsideration of denied cc apps or CLI requests, APR reductions, etc. and implement their decisions.

Backdoor numbers and the people to whom they connect you can be useful in requesting a reduced APR if you feel your credit profile rates a lower one, or in requesting a review of a denied credit application or declined request for a credit limit increase, if you feel your credit profile deserves an approval, but they aren't magic wands - as with anything, your mileage may vary depending on your individual credit profile.

 

This thread relies on input and feedback from YOU! If you try a number and find that it is no longer working, that it's a regular, frontline CSR number or other, non-backdoor number, PLEASE PM ME so that I can edit accordingly!

 

Note: Capital One apparently stopped accepting customer-initiated credit line increase (CLI) requests sometime in 2010, so these numbers won't work for that, at this time. If CapOne starts accepting them again at some point, someone please PM me so I can update this thread again! Thanks.

 

On 04/12/11, one of our forum members PM'd me that he had called CapOne at 1-800-625-7866 to request a CLI, and said that, after verifying his account information, the CLI was put through without any other questions being asked. If anyone else has similar success, please PM me. Thanks! Update as of 10/16/11 (confirmed on 03/10/12) A forum member PM'd me that he/she was told that CapOne is not accepting customer-initiated CLI requests. FYI, all.

 

Thanks to everyone ahead of time who has PM'd me about dead numbers, new numbers, numbers that turn out to be not true backdoor numbers,etc.!

 

This thread only works because the whole community helps keep it updated!

 

Amex Collections Dept: 800-921-6490 (people on blacklist can call this number)

AmEx Oasis Program: 888-232-3261

AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull)

AmEx: 800-230-1284 (Account Services - handles accounts with issues)

AmEx: 800-700-7619 (Reserves - handles closed and charged-off accounts)

AmEx Executive Office: 800-297-6197

American Express Credit Bureau Unit: 800-874-2717. (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number.)

 

Barclays: 888-232-0780 (Customer Care)

Barclays: 866-408-4064 (Credit Analyst)

Barclays: 877-683-1400 (Security Dept)

 

Best Buy: 800-365-0292 (CSR)

Best Buy App Status: 800-811-7276

Best Buy Store Card: 800-305-0533

 

BofA: 800-421-2110 – Customer Satisfaction

BofA: 888-991-8222 – Customer Satisfaction

BofA: 866-811-4108 (Credit analyst - existing cardholders)

BofA: 877-721-9405 (App Status - Choose Option 3)

BofA: 800-732-9194

BofA: 888-260-4696 (secured accts.)

BofA: 800-824-5895 (secured & partially secured accts.)

BofA: 800-718-6072 (Credit analyst - for existing cardholders only)

BofA: 800-881-4730 (Loan Dept.?)

BofA: 866-618-4585 (Sr Credit Analyst)

 

BofA Credit Dept. Fax: 888-500-6270

BofA/FIA: 888-831-4181

BOFA: 866-865-7839 (Recon Department)

 

BP/Amoco App Status: 800-365-6204

 

Cap1: 800-625-7866 (Account Specialist)

Cap1: 800-951-6951 (cust. relations)

Cap1: 800-548-4593 (application status - automated only)

Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)

Cap1: 877-513-9959 (Account Retention?)

Cap1: 800-258-9319 (Debt Recovery)

Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)

Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.)

Chase: 800-436-7927 (App status - automated)

Chase: 888-270-2127 (App recon)

Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

Chase: 800-955-9900 (Product change status questions)

Chase: 888-688-6708 (Chase Credit Dept additional number?, need confirmation, credit to Express)

 

Chevron/Texaco Biz Card App Status: 888-243-8358

Chevron Cust Service: 800-243-8766

 

Citi: 888-201-4523 (New App Approval Status)

Citi AA: 888-662-7759

Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453

Citi: 800-444-2568 (Retention Dept.)

Citi: 800-763-9795 (App status?? They ask for your app #)

Citi Credit Bureau Dispute Fax: 866-713-5028

Citi EO: 718-248-6433

Citi: CSR: 301-733-5501 (New App Status)

 

Comenity: 800-303-1368 (Recon)

Discover: 888-676-3695 (Recon)

Discover: 866-219-0214 (Retention Dept.)

 

Elan Financial Services: 800-685-7680

 

ExxonMobil Biz Card: 800-903-9966

 

FIA: 800-655-1491 (for 24 hr automated balance, app status, and payment information)

 

FNBO: 800-444-6220 (UW)

GE Moneybank (except WalMart): 866-419-4096

GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions)

GECRB -Credit Solutions 877-379-8173

 

Home Depot Store Card: 800-677-0232 (Credit Analyst)

Home Depot Store Card: 423 467 6957 (App Status/Recon)

Home Depot MC (Commercial): 800-720-0649

 

Hooters: 801-545-6705, 800-850-4668

 

HSBC: 866-574-4421 (App Status)

HSBC: 866-551-0258 (Credit Analyst)

 

HSBC: 866-280-0118 (Executive Resolution Unit)

 

Juniper: 866-408-4064 (Credit Analyst)

Juniper/Barclays: 866-750-6031 (Corp. Offices)

 

Key Bank: 888-201-4523 (App status)

Key Bank MC: 800-288-4653

Keybank Credit Research Fax: 216-357-6404

 

Lowes: 800-445-6937 (App Status)

Lowes: 866-232-7443 (Biz Acct. Underwriting)

Lowes Fraud/Underwriting/Credit Dept.: 800-444-1408

 

Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa AmEx, credit reporting issues)

Macy's: 800-543-9617 (Recovery Services)

 

Meijers MC: 801-517-5560

 

Merrick Bank -CC 1-877-790-5648

Nationwide Visa: 866-757-2720 (App. status)

 

Philips 66: 866-289-5630, 800-610-1961

 

PNC: 800-762-0974 (Credit Dept.)

Saks Fifth Avenue: 866-500-7257 (Application Status)

Sallie Mae Visa: 877-564-7965 (Credit Dept.)

Sallie Mae Visa: 877-903-7968 (Credit Analyst)

 

Sam's Club: 800-301-5546, 866-246-4282 (Underwriting)

Sam's Club/WalMart: 877-294-7541 (escalated help desk)

 

Sears: 800-599-9710 (Comm'l Accts.)

Sears: 866-533-1820 (Sears credit bureau dispute FAX number)

 

Shell Fleet Card: 800-223-3296 (App status)

Shell: 800-223-3296, 866-438-7435

Shell: 800-377-5150

 

Staples: 800-767-1291, 800-282-5316

 

Sunoco Corp. Card: 800-935-3387, 800-278-6626

Sunoco: 800-310-4773

 

Target: 866-225-7041 ( New accounts, i.e. 7 to 10 day message )

 

Target Biz Card: 800-440-5317

 

Tiffany: 800-770-0800

 

US Bank: 800-947-1444, 800-685-7680 (Underwriting)

US Bank Corp. & Comm'l Cards: 800-344-5696

US Bank: 800-308-3648 (Debt Recovery)

 

Valero: 877-882-5376

 

Wal-Mart: 800-480-0205 (personal accounts)

Wal-Mart: 800-301-5546 (commercial accounts only)

Wal-Mart Underwriting: 877-294-7548; 877-294-8770

WalMart/Sam's Club: 877-294-7541 (escalated help desk)

 

WaMu CSR: 800-356-0011, or 800-280-9441

WaMu: 888-687-2273 (Apps/New Accts)

 

Wells Fargo: 800-967-9521 (credit card underwriting

Wells Fargo: 866-677-1128 (now Executive Office

 

Wells Fargo Financial National Bank: 866-535-2725 (Executive Office - credit to high-flyer)

 

Wright Express: 888-743-3893

 


mendelssohn

mendelssohn

Posted
Posted

wtf?

 

just copy and paste from here?

 

http://creditboards.com/forums/index.php?showtopic=447943

Apparently, yes. :rolleyes:

 

 

A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they are able to take and review requests for reconsideration of denied cc apps or CLI requests, APR reductions, etc. and implement their decisions.

 

 

 

 

--------------------------------------------------------------------------------

 

 

 

AmEx Oasis Program: 888-232-3261

 

American Express Credit Bureau Unit: 800-874-2717. Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number.

 

 

 

Barclays: 888-232-0780 (Customer Care)

 

 

Best Buy: 888-237-8289 (customer care)

Best Buy: 800-365-0292 (CSR)

 

Best Buy App Status: 800-811-7276

 

Best Buy Store Card: 800-305-0533

 

 

BofA Acquisition Dept.: 888-645-6733 (new app recon)

 

BofA: 800-732-9194

BofA: 800-421-2110 (product change, poss. for cli).

BofA: 888-260-4696 (secured accts.).

BofA: 800.824.5895 (secured & partially secured accts.).

BofA: 800-718-6072 (Credit analyst).

BofA: 800-881-4730 (Loan Dept.?).

BofA: 866-226-8225 (Recon).

BofA Credit Dept. Fax: 888-500-6270

 

.BofA/FIA: 888-831-4181.

FIA: 866-421-8153 (credit analyst) .

.

BP/Amoco App Status: 800-365-6204.

 

 

Cap1: 800-625-7866 (Account Specialist)

 

Cap1: 800-951-6951 (cust. relations)

Cap1: 800-548-4593 (application department; status)

Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)

Cap1: 877-513-9959 (Account Retention?)

Cap1: 800-258-9319 (Debt Recovery)

 

 

Chase: 800-432-3117 (App status)

 

Chase: 888-270-2127 (App recon)

Chase: 877-781-3109 (combining & product change)

Chase: 888-245-0625 (Credit Analyst - Recons)

 

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

 

 

 

Chevron/Texaco Biz Card App Status: 888-243-8358

 

 

Citi: 888-201-4523 (New App Approval Status)

 

Citi AA: 888-662-7759

 

Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453

 

Citi: 800-444-2568 (Retention Dept.)

 

Citi: 800-763-9795 (Credit Dept.)

 

Citi Credit Bureau Dispute Fax: 866-713-5028

 

 

Discover: 888-676-3695 (Recon)

 

 

 

ExxonMobil Biz Card: 800-903-9966

 

 

 

FIA: 866-421-8153 (credit analyst)

 

 

 

GEMB: 877-294-7541 (escalated help desk)

 

 

 

Home Depot Store Card: 800-677-0232 (Credit Analyst)

 

Home Depot Store Card: 423 467 6957 (App Status/Recon)

 

Home Depot MC (Commercial): 800-720-0649

 

 

 

Hooters: 801-545-6705, 800-850-4668

 

 

 

HSBC: 866-574-4421 (App Status)

 

HSBC: 866-719-3897 (Credit Analyst?)

 

 

JC Penney: 800-542-0800

 

 

 

Juniper: 866-408-4064 (Credit Analyst)

 

Juniper/Barclays: 866-750-6031 (Corp. Offices)

 

 

 

Key Bank: 888-201-4523 (App status)

 

Key Bank: 800-254-2737

Key Bank MC: 800-288-4653

 

Keybank Credit Research Fax: 216-357-6404

 

 

 

Lowes: 800-445-6937 (App Status)

Lowes: 866-232-7443 (Biz Acct. Underwriting)

Lowes Fraud/UW: 800-444-1408

 

 

 

Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)

 

Macy's: 800-543-9617 (Recovery Services)

 

 

 

Meijers MC: 801-517-5560

 

 

National City: 800-762-0974 (Credit Dept.)

 

 

Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker).

 

 

 

Philips 66: 866-289-5630, 800-610-1961

 

 

 

Sam's Club: 800-301-5546, 866-246-4282 (Underwriting)

 

 

 

Sears: 800-599-9710 (App status)

 

 

 

Shell Fleet Card: 800-223-3296 (App status)

Shell: 800-223-3296, 866-438-7435

Shell: 800-377-5150

 

 

 

Staples: 800-767-1291, 800-282-5316

 

 

 

Sunoco Corp. Card: 800-935-3387, 800-278-6626

Sunoco: 800-310-4773

 

 

 

Target Biz Card: 800-440-5317

 

 

 

Tiffany: 800-770-0800

 

 

 

US Bank: 800-947-1444, 800-685-7680 (Underwriting)

 

 

 

Valero: 877-882-5376

 

 

Wal-Mart: 800-301-5546

 

Wal-Mart Underwriting: 877-294-7548

 

Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096

 

 

WaMu CSR: 800-356-0011, or 800-280-9441

WaMu: 888-687-2273 (Apps/New Accts)

 

 

 

Wright Express: 888-743-3893

  • Admin
LKH

LKH

Posted
  • Admin
Posted

KreditKing - nice copy/paste job. Secondly, you registered as a member here in January of 2014, so no one PM'd you in 2011. Thirdly, you have received exactly ZERO Pm's from any member here as "newbies", such as yourself, do NOT have access to PM's until they reach "member" status.

 

So, your first thread is pretty much BS.

Cappy

Cappy

Posted
Posted

I'm willing to volunteer in this project. If we get 5-10 people willing to volunteer, if be happy to set this up. Pm me if your interested

BobWang

BobWang

Posted
Posted

I'm willing to volunteer in this project. If we get 5-10 people willing to volunteer, if be happy to set this up. Pm me if your interested

 

Dang, WCH,

 

you just need to change User Names,

 

not personality. :P

Cappy

Cappy

Posted
Posted

 

 

I'm willing to volunteer in this project. If we get 5-10 people willing to volunteer, if be happy to set this up. Pm me if your interested

Dang, WCH,

 

you just need to change User Names,

 

not personality. :P

Wait! What did I do?

mendelssohn

mendelssohn

Posted
Posted

My bad everyone just wanted to get this updated and refreshed, didn't mean to rub anyone the wrong way...... :sorry:

You copied and pasted an entire thread with no new information.

shifter

shifter

Posted
Posted

My bad everyone just wanted to get this updated and refreshed, didn't mean to rub anyone the wrong way...... :sorry:

no need to start a new thread for that, just update the existing thread with new numbers that you have like we've been doing.

StupidCredit

StupidCredit

Posted
Posted

 

Barclays: 877-683-1400 (Security Dept)

 

 

Still active. And I should say that the two times I have used Barclay backdoors, the CSRs there were extremely professional and helpful.

  • 4 weeks later...
Under500FICO

Under500FICO

Posted
Posted

 

Maybe it's time to update thread. Who wants to volunteer and make some phone calls?

I can verify the Barclay 4064 works since I used it today. :)

Chase App Recon works also.

 

Just wanted to let everyone know that Barclay's Finance & Credit Specialist number ending in 4064 is ACTIVE for Reconsideration as of June 24th, 2014.

kimcredit

kimcredit

Posted
Posted

Just wanted to post that I had success with the backdoor comenity number. I hit the CLI button for victoria secret and it delcined me stating the acct hasn't been open long enough. I called the backdoor number and spoke to a sweet csr and she applied with asking my income. provided info and it still declined me. I asked if she can somehow override it. she put me on a brief hold and gave me the additional $250 I asked for (didnt want to ask for 2 much since my daughter was on her way to shop there for her bday).

 

 

mendelssohn

mendelssohn

Posted
Posted

Just wanted to post that I had success with the backdoor comenity number. I hit the CLI button for victoria secret and it delcined me stating the acct hasn't been open long enough. I called the backdoor number and spoke to a sweet csr and she applied with asking my income. provided info and it still declined me. I asked if she can somehow override it. she put me on a brief hold and gave me the additional $250 I asked for (didnt want to ask for 2 much since my daughter was on her way to shop there for her bday).

 

 

Just FYI, the last time someone called the Comenity backdoor it resulted in a hard pull on EX.

Cappy

Cappy

Posted
Posted

 

Just wanted to post that I had success with the backdoor comenity number. I hit the CLI button for victoria secret and it delcined me stating the acct hasn't been open long enough. I called the backdoor number and spoke to a sweet csr and she applied with asking my income. provided info and it still declined me. I asked if she can somehow override it. she put me on a brief hold and gave me the additional $250 I asked for (didnt want to ask for 2 much since my daughter was on her way to shop there for her bday).

 

 

Just FYI, the last time someone called the Comenity backdoor it resulted in a hard pull on EX.

Not so sure if they will get a hp. The rep did what any reg csr did and applied for a CLI over the phone which I suppose would be a SP.

 

With mine, the luv button was declined because my account was too new and I requested for a manual review and that's when I got hit with a hard.

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