American Express

[Joboak]

Okay... So my creditkarma said that my score was good enough to get an AMEX card (751). So I done the little preapproval app. (where you put in your ssn and they say...) well it said I wasn't approved. This was not supposed to do a hard pull but it still shows up on my report! So I called them and asked why it shows as well as why I was denied. They said that my credit history wasn't strong enough (oldest age of account 15yrs) and that I would receive a letter with more detail. Well two months have passed and no "detail" has been in the mail. Should I send them a letter disputing the inquiry? Anyone has any luck with this?

[Joboak]

Does anyone have an address on American Express? I would like to dispute a hard pull and need to know where to send a Hard Pull dispute letter?

[Involver]

This is the address they have listed on my EX report

Mailing Address:

PO BOX 981537

EL PASO, TX 79998

[enharu]

Click on your CR and get the address from there. Just to make sure you have the right address since some companies may have multiple addresses for different departments / products.

You should also initiate the dispute with the credit bureaus simultaneously.

[user5387]

The 751 score you got is not a reliable indicator of where your credit situation is really at.

I think I'd simply move on, and not dispute the inquiry.

[Joboak]

My credit has no derogatory marks what so ever. No late payments, no charge offs, no collections for 15 years of history (when my credit began). It's not the fact that I was denied, it's the fact that it wasn't supposed to be a hard pull. I could have used that pull for something else.

[Joboak]

Is that from a hard pull?

[pizzadude]

Anytime that you apply for a credit card it will result in a hard pull, almost without exception.    There's really nothing to dispute, since you applied for a credit card.

Also I will move this to the credit cards forum.

[Joboak]

Thanks

[adavis425]

I'm confused... you applied for credit (according to your other thread) and received an inq. Were you told that it would NOT be a HP? Not judging, just curious as to the dispute of a legit inq. Does that work?