AMEX Approval Scores

[FicoTron]

Has anyone taken a look at my last post? I was hoping to get a rash of feedback since I gave the visual.

[LS2982]

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@FicoTron wrote:

Ok, I scanned my actual EX report from 10/11, about a month before I paid this account off.  I know I may have not gotten the dates exactly right,  but you can see here that it was considered a CO in the year 2006, then an update sometime in 2008...now since I've paid it, it changed that Dec 2006 CO to a 180 and put all ND's until Dec 2011's CO.  Is this legit?

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That don't look right to me

[FicoTron]

Hopefully it is. I wish there were some experts on here so i know for sure, so when I call I can be more aggressive. Anyone else want to tell me what they think?

[trumpet-205]

ND means no data. It happens when lender did not refresh your report monthly (no activity). Capital One did that to me once when I did not use my Capital One card for a month.

[FicoTron]

I know what ND means bro, that's not what is in question. Still looking for some answers here???

[FicoTron]

So I called EX and explained myself, the rep said she would put me on hold and look into it. She comes back on and says she initiated a dispute! I wasn't looking to do that, I was asking if it was a mistake on EX behalf. Now I have to wait a month to apply probably. You can't app with something in dispute, right?

[FicoTron]

No Amex apps out there today?

[LS2982]

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@FicoTron wrote:
So I called EX and explained myself, the rep said she would put me on hold and look into it. She comes back on and says she initiated a dispute! I wasn't looking to do that, I was asking if it was a mistake on EX behalf. Now I have to wait a month to apply probably. You can't app with something in dispute, right?

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I would think that helps your cause if the comments are reporting in dispute. You can tell the creditor it is an error.

[Cdnewmanpac]

There is nothing to prevent you from applying for cards while an item is under dispute. The area that disputes seem to stop cold is mortgage approval. Now AMEX might reject you because of a dispute (as far as I can tell, they can reject you because the Florida orange crop was disappointing), but they might not. If they do, you have a mechanism for recon. I know AMEX only allows recons if there was an error, but in this case there is. The dispute is an error.

[FicoTron]

I'm not willing to take any chances, anyway, last time I disputed this, HSBC came back real quick in the investigation. Hopefully they see their mistake this time.