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Valued Contributor
j_casteel
Posts: 1,904
Registered: ‎06-21-2012
0

AMEX Blue denial...but not upset.

I recently app'd for the "plain" AMEX Blue to get an idea where I was with AMEX after having the Zync (500 HL and averaging ~$2k/mth on it) for nearly 5mths and cleaning up my reports, bringing my scores up, etc. 

 

I received the denial letter today and it stated only one reason I was denied which was "Your FICO score..." The letter showed they pulled an EX FICO of 658.  So while it is a denial I am not upset because they use to list several reasons for the denial. It gives me what I need to continue to work on to get approved in the future. I've cleaned my reports up and have been keeping positive TL's, but now its just a waiting game and letting my score(s) increase. I think the closer it is to 700 the better (obviously). So I plan to garden until January and see where I stand. 

 

Thanks,

 

John

| Walmart $5k | Amazon $5k | NFCU $19.5k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:709 TU:703
Goal Scores: 700
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Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008
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Re: AMEX Blue denial...but not upset.

At least it's a SP.


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Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012
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Re: AMEX Blue denial...but not upset.


j_casteel wrote:

I recently app'd for the "plain" AMEX Blue to get an idea where I was with AMEX after having the Zync (500 HL and averaging ~$2k/mth on it) for nearly 5mths and cleaning up my reports, bringing my scores up, etc. 

 

I received the denial letter today and it stated only one reason I was denied which was "Your FICO score..." The letter showed they pulled an EX FICO of 658.  So while it is a denial I am not upset because they use to list several reasons for the denial. It gives me what I need to continue to work on to get approved in the future. I've cleaned my reports up and have been keeping positive TL's, but now its just a waiting game and letting my score(s) increase. I think the closer it is to 700 the better (obviously). So I plan to garden until January and see where I stand. 

 

Thanks,

 

John



You will get there and at least you got a free EX fico out of the deal without a hardpull!!


100% Ficos: EX 762, TU 767, EQ 754 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 $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050

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