Thread: Is it too late for a reconsideration?

So i applied on Sept 28th for Zync and was denied. They said my score is 591. I pulled my report and found i unpaid charge off account on it, i disputed it and now its been deleted. My current USAA Experian Score has jumped to 708 (not FICO). Report is totally clean and i have 3 CC's from 2011 itself. My credit history is very low, less than 1 yr. I was wondering since my score is high and report is clean maybe i can call them and request them to manually reconsider my application. I can't afford another hard inquiry on my experian.

Will they consider my request or since its been 2.5 months from my previous app, i have to send a new application.

Originally Posted by prady

So i applied on Sept 28th for Zync and was denied. They said my score is 591. I pulled my report and found i unpaid charge off account on it, i disputed it and now its been deleted.

Not to divert from the topic, but I'm just curious how you got your charge off deleted from your credit report. I've been sorta doing a bit of googling on this topic, but there's so much conflicting information out there. So it's possible to get a charge off deleted from your credit report?! If so, how?!?

It is pass the 60 days mark and do not re-apply for at least 6 months.

Originally Posted by cambridgechica

Not to divert from the topic, but I'm just curious how you got your charge off deleted from your credit report. I've been sorta doing a bit of googling on this topic, but there's so much conflicting information out there. So it's possible to get a charge off deleted from your credit report?! If so, how?!?

well u need to dispute it with CRA, in my case it was a charged off wachovia cc. Wachovia was bought over by Wells Fargo and i disputed with all 3 CRA's "i don't own this account". WF couldn't validate it and bam 2 days later it was gone

Originally Posted by ooxs

It is pass the 60 days mark and do not re-apply for at least 6 months.

6 mos? Really?... i thought since my credit cleared up and score shot up i may have a chance. I wanted to apply b4 2011 end coz i heard amex will backdate it to report on my cc to jan 2011

You can re-apply if you want to meet your 2011 deadline; i recommended six months to increase your chances of approval. I don't know what your Fico score is but if it is anywhere near your Fako score, you should be fine.
Best of luck and please share the good news with us

should i apply over the phone or online? Does it make any difference if i do it over the phone?

It is all up to you. If you apply by phone or online you stand the same chance of approval.

I have USAA bank, they have somewhat of an AMEX card. Very different from others. Please read my post. I need help with an AMEX