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yes. recon. you are perfect. stop listening to the hp fear mongers. just do it. even if you lose 5 points who cares if you get what you need. good luck op.
UPDATE:
I just called right now and checked the status on my application. They said they denied it. They wouldn't tell me the denial reasons and said to wait for the letter that is being sent for the reason(s) I was denied. I then asked the CS lady what day they pulled my report and she stated, "September 13, 2014." I then stated there has been a lot of changes since 9/13/14 and if they can review the most recent credit report. I asked her if they did a HP and she said they did a SP. On my report there was a SP on 10/12/13 only. She then said if I wanted to fax in the most recent credit report that reflects the changes I can. Why couldn't they just do a HP on my report? Is there another # I can use besides the application status number listed in the backdoor thread?
@USC08 wrote:UPDATE:
I just called right now and checked the status on my application. They said they denied it. They wouldn't tell me the denial reasons and said to wait for the letter that is being sent for the reason(s) I was denied. I then asked the CS lady what day they pulled my report and she stated, "September 13, 2014." I then stated there has been a lot of changes since 9/13/14 and if they can review the most recent credit report. I asked her if they did a HP and she said they did a SP. On my report there was a SP on 10/12/13 only. She then said if I wanted to fax in the most recent credit report that reflects the changes I can. Why couldn't they just do a HP on my report? Is there another # I can use besides the application status number listed in the backdoor thread?
Use the fax number in the BDN thread for Amex. Indicate that you want your app reconned due to changes in your credit report. Include your most recent report and their reference number from your application.
UPDATE:
I just received an emailing saying I was approved! I didn't even fax a current credit report like they said. I guess my app was still being manually reviewed. Looks like they did do a HP today as well. I'm not sure what the CL is. I decided to wait and see when I receive it in the mail.
Thanks for the advice/help everyone!
Congrats!
congratulations. hard work and good advice - priceless!
Congrats!
Yes! you have the scores.