Amex Decline, but happy with Ex Fico Received!

creditnocash · ‎01-08-2013

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

I got triple pulled for my Zync.

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

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

Duncanrr · ‎01-08-2013

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 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

Anonymous · ‎01-08-2013

@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....

creditnocash · ‎01-08-2013

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: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

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

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

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

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

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