Valued Contributor
Posts: 2,768
Registered: ‎12-11-2011

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

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Posts: 6,759
Registered: ‎12-30-2011

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 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)

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Established Contributor
Posts: 786
Registered: ‎05-16-2012

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 753, TU 743, Walmart TU fico 749, EQ 739 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $12,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1350

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