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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Amex BCP - what does my status mean?

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‎10-05-2012 09:41 AM

Dang... I need a new magic 8 ball... I was gunnin' for you rtw!!!!!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 11 of 15 (332 Views)
 
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Established Contributor
rtw
Posts: 746
Registered: ‎05-01-2012

Re: Amex BCP - what does my status mean?

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‎10-05-2012 11:05 AM

Thanks jd5189! I'm getting close though. I can feel it. It's taking longer and longer for them to deny my app.:-)


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 725 (PSECU 5/11/13) TU: 711 (5/15/13) EQ: 688 (5/15/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 12 of 15 (298 Views)
 
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Established Contributor
rtw
Posts: 746
Registered: ‎05-01-2012

Re: Amex BCP - what does my status mean?

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‎10-11-2012 05:45 PM

Any advice? Wondering if I should recon. Just got the Amex denial letter today. They used my FICO from 8/18. It was 687. My FICO at my time of application was over 700. Should I just app again in 30 days?


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 725 (PSECU 5/11/13) TU: 711 (5/15/13) EQ: 688 (5/15/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 13 of 15 (211 Views)
 
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Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Amex BCP - what does my status mean?

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‎10-11-2012 05:49 PM

More importantly than score, what were their reasons for denial?

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 14 of 15 (207 Views)
 
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Established Contributor
rtw
Posts: 746
Registered: ‎05-01-2012

Re: Amex BCP - what does my status mean?

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‎10-11-2012 06:03 PM

Collection which is no longer on my report hence score jump.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 725 (PSECU 5/11/13) TU: 711 (5/15/13) EQ: 688 (5/15/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 15 of 15 (187 Views)
 
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