Reply
Contributor
seat3a
Posts: 97
Registered: ‎05-02-2012
0

Re: AMEX CLI 7 Day Letter

Hi!

 

Today I received my wonderful denial letter from AMEX. Perhaps someone could give me their take on the following:

 

Reasons for denial:

1) Your FICO score. My score was reported as 704 by Experian. What I don't understand is that I had checked the EX score that day and their website said my score was 741.

2) Length of time you have been a customer with AMEX is too short. Reading the boards, how do so many people get the 61 day CLI's?

3) The number of credit card accounts with balances as indicated by EX. I have 6 accounts and 3 reported balances. Balances were no where near CL.

 

Any info would be appreciated!

Barclay Arrival World MC 10K, Citi AAdvantage 16K, Chase Sapphire Preferred 15K, AMEX Gold Delta Skymiles 16K, Venture One 5K, Discover Direct Rewards (Cap 1) $300, Discover Direct Rewards (Cap 1) $500

Scores: EX 764 EQ 750 TU 809 MyFico 739 Last App 11/13

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+
}