Reply
Super Contributor
Posts: 5,280
Registered: ‎12-11-2011
0

Re: 2 / 3 Approved, I am done.

AFAIK amex isn't big on recons, but it is definitely worth a try, it isn't going to hurt you unless they decide to HP another CRA

;
Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
0

Re: 2 / 3 Approved, I am done.

[ Edited ]

jsucool76 wrote:

AFAIK amex isn't big on recons, but it is definitely worth a try, it isn't going to hurt you unless they decide to HP another CRA


I think I've read here that Amex recons can likely result in an additional inquiry as if the credit report is innacurate (pretty much the only recon reason to my knowledge with them) they're going to want to see that on one's credit reports.

 

While there's probably no "poking the bear" issue here, and while I'm unquestionably one of the largest "inquiries aren't a big deal" proponent on this forum, I think it'd simply be better to walk away and apply for a charge card in 31 days.  The BCE is still in a different tier from an underwriting perspective than the Freedom or C1 Cash Rewards.  Maybe the easier revolver, Delta Skymiles or the like might be obtainable, but it really depends what's in the OP's report.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: 2 / 3 Approved, I am done.


armbenderc wrote:

calihlove75 wrote:

armbenderc wrote:

Cap Cash Rewards 2k

Chase Freedom 2k

Amex BCE - denied. 

 

Should I call for recon?


What was the reason for the denial?

when I click on detail, the site shows error. So I dont know. 


Same thing happen when I was denied for the BCE back in June. I received an error message every time I checked on detailed status, but when I called they said I was denied because of teletrack. You definitely want to correct/be ready to explain any reason for denial before you attempt recon. And it will be another hardpull.

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $11,000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.