Reply
Senior Contributor
jsucool76
Posts: 4,054
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
Revelate
Posts: 9,762
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 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Established Contributor
calihlove75
Posts: 791
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 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}