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Valued Contributor
creditnocash
Posts: 2,245
Registered: ‎07-23-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

I was denied with a 721! At least it was soft pull and only ex.

I got triple pulled for my Zync.

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

I wonder how much income trumps with them. I think my income/spend is what got me BCP and not my 724 score (with a ton of cap1 baddies)


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Member
bturner9697
Posts: 20
Registered: ‎02-13-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

@duncanrr....I think you are exactly right on that. My income is fair at 45k, but my spend on my Zync probably didn't have them all excited. Usually only put a couple hundred through per month....
TU98 FICO: 659 as of 03/01/2012,TU08 Walmart: 677 as of 03/29/2012, EQ FICO: 637 as of 03/24/2012, EX FICO: ???
GOAL: 700 Club
Valued Contributor
creditnocash
Posts: 2,245
Registered: ‎07-23-2012
0

Re: Amex Decline, but happy with Ex Fico Received!

my income is around give or take 28k plus bonuses etc... i usually charge 75% or more then let it sit before closing date, and pif. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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