Ratfacedudeguy2 wrote:By second recon, do you mean that you actually called back a second time and had a completely fresh review of your application? Or were you transferred over to another analyst in the same call?
No I called back a second time and spoke with a different analyst than the first recon. The first one told me it would need a second review due to the past charge off, so I figured that would be declined and that I'd best call back. I did and asked for the status and the second analyst told me it was declined then reviewed it for me again.
So you may just need a fresh look. Nothing to lose if you took the hard pull anyway. I wasn't pushy with them or obnoxious just asked the status and the analyst reviewed it and asked me questions and liked what she saw. (The second one). The first one never really warmed up to me so I wasn't surprised that it was declined. The analyst doing the recon makes a lot of difference from my experience. Chase seems to give their analysts leeway to make decisions, where Citi really doesn't do that - if the computer says you are declined, you are very likely not going to recon it 99% of the time. It happens but it's rare, but with Chase, I do see you could recon successfully.