Originally Posted by yeaforme

1 - My wife applied for a CSP in early July. At the time her credit report was only showing 4 open accounts in the last two years, one of which was a store card from 22 months ago. She had 2 more accounts opened at the time, but they were recent enough that they weren't showing on the report yet, though one was a Chase UR card. [...] She didn't get auto approved and the letter that came a week later was a denial for too many open accounts. We didn't recon line it. I'm wondering if they were able to see the non-reported cards (traditional thinking here says 4 should have been ok) or if they came down harder with me as an AU (I have way too many open accounts)?