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My application was denied due to old AMEX accounts closed but with balances. I have never owned an AMEX card and my credit report shows that. They have opened a fraud investigation to see if my identity was hacked, but why wouldnt it apear on the credit report? Anyone have similar issues as this? Thanks
In thoery, yes, of course. But in practice, who can say. Credit reports often contain errors, and there are times when reports seem filled with errors of both omission as well as reporting. Any older copies of credit reports lying around (filed or digital) that you might inspect?
15 years ago I had a bankruptcy. I maxed out and became deliquent on a 6400 CL AmEx Blue Card. They constantly harrassed me, sent my account to collections and even threatened litigation. I applied for an AmEx Blue Cash Everyday card today and they approved me! I guess I'm just lucky. Of course they did give me a relatively low CL of 2000. I guess getting my FICO score up to 760 since the previous trouble I had really makes a difference.