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Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
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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 $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
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Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
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Re: AMEX Blue denial...but not upset.

At least it's a SP.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
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Established Contributor
Posts: 803
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 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050

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