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Amex Decline, but happy with Ex Fico Received!

Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

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

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
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Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000