@Jonbuck06 wrote:
@haulingthescoreup wrote:
@Jonbuck06 wrote:
well on my equifax report i only have one inquire and none of these account have shown up yet so im gonna try one more time before any of them show up.
Just realize that if your recon works, and you're approved, AmEx will soft you regularly at first (as they do all new cardholders.) If they don't like those new accounts, you might well find your card canceled anyway. AmEx giveth, and AmEx also taketh away.
do they really do that?? if u open to many new accounts theyll cancel you seems kinda harsh??
I don't know that they do that with everyone, but since they already seem to have some sort of problem with you, they might well scrutinize you more closely.
I was a little confused as to what your util actually is, per what you posted earlier:
735 Credit Score equifax
US bank 07/2011 1000 credit limit
JCP card 868 07/2008 balance 6000 credit limit
HSBC card 02/2001 1500 limit 68 balance
2 inquries
Reasons denied
Too Many Inquiries
High balance to credit limit ratio
To many new accounts.
Was there a reported balance on US Bank? What's the 868 figure on JCP?
And did the letter say that they pulled Equifax? That's very unusual, because they usually pull Experian. If so, was it because your EX (Experian) was frozen? That right there might have been the problem. If you don't let them look at the report, maybe they don't let you have a card.
At any rate, were there 2 inqs on Equifax at the time, or 2 on Experian?
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
