creditnocash wrote:well if youd like an update kobe.
just got off the phone with new accounts
listed many reasons for denial but glad it was a soft pull.
ex score said was 721!!! woot. lol(surprised with my high balances LOL)
number of new accounts
too many inquries in the past 12 months( 6 for fico purpose)
credit balance vs limit too high (20%)
installment loan balance to loan amount too high(got my car in august so yeah!)
and ding ding ding
Not an established customer of amex (yes he actually said that)
got my zync august 30th so i guess
oh well off too the garden until september.
thx for the update.. i guess I will wait as long as I can for next app ..... do you have a Zync NPSL or PSL??? am surprised you got denied since you have a high score.... any baddies??
Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012 
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kobe2012 wrote:
creditnocash wrote:well if youd like an update kobe.
just got off the phone with new accounts
listed many reasons for denial but glad it was a soft pull.
ex score said was 721!!! woot. lol(surprised with my high balances LOL)
number of new accounts
too many inquries in the past 12 months( 6 for fico purpose)
credit balance vs limit too high (20%)
installment loan balance to loan amount too high(got my car in august so yeah!)
and ding ding ding
Not an established customer of amex (yes he actually said that)
got my zync august 30th so i guess
oh well off too the garden until september.
thx for the update.. i guess I will wait as long as I can for next app ..... do you have a Zync NPSL or PSL??? am surprised you got denied since you have a high score.... any baddies??
i have the psl 500 blah
it was the last card of my summer spree (so most if not all of my new cards got reported already.) and my car loan inq were already there ontop of my bank happy ones.
no baddies per se.
low aaoa. (9.5 months) 2 cards over 2 year mark though.
high inquries.
high util due to christmas shopping.
i honestly apped for this card for my score and would have been happy to add the backdating. that's all.
no bk or any lates or charge offs.
bs6054 wrote:
creditnocash wrote:well if youd like an update kobe.
just got off the phone with new accounts
listed many reasons for denial but glad it was a soft pull.
ex score said was 721!!! woot. lol(surprised with my high balances LOL)
number of new accounts
too many inquries in the past 12 months( 6 for fico purpose)
credit balance vs limit too high (20%)
installment loan balance to loan amount too high(got my car in august so yeah!)
and ding ding ding
Not an established customer of amex (yes he actually said that)
got my zync august 30th so i guess
oh well off too the garden until september.
Interesting, so at least for you here, 20% utilization is enough to be called out as too high. Was this just on the Zync, or your overall credit cards?
overall
pif my zync before the 28th(the time my statement closes) has always reported zero. usually use this card until i hit 490 and pif. sometimes 2 times in one month. when apping though there was a 30 dollar charge already showing for my xm in my car.
right now i have 5 cards reporting out of 10
4200/21000 according to ck.
will be cut in half by end of month and back too 2% by end of feb.
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