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Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

AMEX Zync

[ Edited ]

Ok...as many of the wiser contributors here advised me NOT to app for the ZYNC.....I did. I should have never pulled the trigger but I did. I realize more than ever that this is a community that wants to help see every last 1 of us to "prosperity". My apologies for not listening. I was counter-offered with he 500/200 but never followed thru! I had planned on recon'ing the decision and going thru manual review with "explanations" of the 1 CO, 1 CA,(these are not mine but I have been fighting this for sometime now) 1 paid CA and 1-60 mortgage payment (due to my deployment overseas). Anyway, I called and got the run around till I spoke with a CR and he stated the offer is GONE (PISSED) no manual review try next month and that the reasons were low FICO score (669 EXCITED....they should have seen it BEFORE if they think that is LOW!! :smileyhappy:) and delinquencies. I expressed the situation and that I would still like the counter-offer but he said there was/is no counter offer! (SCREWED!! Should have took it :smileymad::smileysurprised:)

 

I didnt give up though...called back and spoke to a a very friendly woman and she verified the same info the 1st CR stated but this time she would send my app for manual review (possibly another HP on EX...luckily for me I dont have many HP on my EX) and she took my reasoning and explanations and sent it to the review team!...If I get declined again no biggie, at least I know my EX score...however, it sucks that I tried to wait to recon the Hard limit and they took away their counter-offer!!!

 

So to those who gave me guidance and I was stubborn and did my own thing!. Lesson learned

 

EX 669 --> and moving UPPPPPPP!!!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Super Contributor
CS800
Posts: 6,547
Registered: ‎04-07-2008

Re: AMEX Zync


AvaMommy wrote:

Ok...as many of the wiser contributors here advised me NOT to app for the ZYNC.....I did. I should have never pulled the trigger but I did. I realize more than ever that this is a community that wants to help see every last 1 of us to "prosperity". My apologies for not listening. I was counter-offered with he 500/200 but never followed thru! I had planned on recon'ing the decision and going thru manual review with "explanations" of the 1 CO, 1 CA,(these are not mine but I have been fitting this for sometime now) 1 paid CA and 1-60 mortgage payment (due to my deployment overseas). Anyway, I called and got the run around till I spoke with a CR and he stated the offer is GONE (PISSED) no manual review try next month and that the reasons were low FICO score (669 EXCITED....they should have seen it BEFORE if they think that is LOW!! :smileyhappy:) and delinquencies. I expressed the situation and that I would still like the counter-offer but he said there was/is no counter offer! (SCREWED!! Should have took it :smileymad::smileysurprised:)

 

I didnt give up though...called back and spoke to a a very friendly woman and she verified the same info the 1st CR stated but this time she would send my app for manual review (possibly another HP on EX...luckily for me I dont have many HP on my EX) and she took my reasoning and explanations and sent it to the review team!...If I get declined again no biggie, at least I know my EX score...however, it sucks that I tried to wait to recon the Hard limit and they took away their counter-offer!!!

 

So to those who gave me guidance and I was stubborn and did my own thing!. Lesson learned

 

EX 669 --> and moving UPPPPPPP!!!


They are generally good with recons on the Zync. Keep us posted :smileyhappy:

 




Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: AMEX Zync

Thanks CS800...I know you said to wait  and I should have but I was immature in this case! However, lesson learned!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Super Contributor
CS800
Posts: 6,547
Registered: ‎04-07-2008

Re: AMEX Zync


AvaMommy wrote:

Thanks CS800...I know you said to wait  and I should have but I was immature in this case! However, lesson learned!


In 1 year these inqs won't matter. Live and learn like all of us on here

 

I've been there too so you're not alone :smileyhappy:

 





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