Amex 3x denied

[lg8302ch]

---

@Repo-ed wrote:

Recieved my EX FICO from Amex today, and it's 712!

Hell, I'll gladly have my CLI declined to learn that I have a 712 FICO WITH my repo reporting!!

Anyway, the reasons for denying my 3x:

Accounts not paid as agreed - 6 year old repo

AAoA - 3.7 years

Amount owed on deliquent accounts - my repo

Too many INQ - 3

---

Interesting ....did Amex not approve you for several cards with same reasons ?

[Repo-ed]

---

@youngandcreditwrthy wrote:
Pay attention to the date on the report. They denied my Hilton app on Jan 1st based on a score from November 23rd

---

Crap, yup!

This is from Dec 14th when my util% was 12

[Repo-ed]

---

@lg8302ch wrote:

---

@Repo-ed wrote:

Recieved my EX FICO from Amex today, and it's 712!

Hell, I'll gladly have my CLI declined to learn that I have a 712 FICO WITH my repo reporting!!

Anyway, the reasons for denying my 3x:

Accounts not paid as agreed - 6 year old repo

AAoA - 3.7 years

Amount owed on deliquent accounts - my repo

Too many INQ - 3

---

Interesting ....did Amex not approve you for several cards with same reasons ?

---

Nope - haven't been denied any cards from them yet.

But as I just posted one up from here, the report they used was from dec 14th.

[lg8302ch]

---

@Repo-ed wrote:

---

@lg8302ch wrote:

---

@Repo-ed wrote:

Recieved my EX FICO from Amex today, and it's 712!

Hell, I'll gladly have my CLI declined to learn that I have a 712 FICO WITH my repo reporting!!

Anyway, the reasons for denying my 3x:

Accounts not paid as agreed - 6 year old repo

AAoA - 3.7 years

Amount owed on deliquent accounts - my repo

Too many INQ - 3

---

Interesting ....did Amex not approve you for several cards with same reasons ?

---

Nope - haven't been denied any cards from them yet.

But as I just posted one up from here, the report they used was from dec 14th.

---

No...no ....did not mean denied but approved with the same FACTS  

[indiolatino61]

---

@Repo-ed wrote:

Recieved my EX FICO from Amex today, and it's 712!

Hell, I'll gladly have my CLI declined to learn that I have a 712 FICO WITH my repo reporting!!

Anyway, the reasons for denying my 3x:

Accounts not paid as agreed - 6 year old repo

AAoA - 3.7 years

Amount owed on deliquent accounts - my repo

Too many INQ - 3

---

Sorry about the denial...but since when are 3 inquiries too many? Sometimes I think lenders just add that in to "fatten" the denial reasons.

[takeshi74]

Don't just assume that there's a hard line for X inquiries for everyone.  "Too many" can vary based on one's credit.  A weaker credit profile is more likely to run into the "too many" reason.  A stronger credit profile could run into the double digits for inquiries.

[indiolatino61]

---

@takeshi74 wrote:

Don't just assume that there's a hard line for X inquiries for everyone.  "Too many" can vary based on one's credit.  A weaker credit profile is more likely to run into the "too many" reason.  A stronger credit profile could run into the double digits for inquiries.

---

Then the verbiage should be similar to, "Based on your current credit profile, your number of inquiries are excessive." The current wording implies a set number.