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Regular Contributor
Posts: 106
Registered: ‎02-23-2013
0

Amex Recon?

My credit score is not that great but dang will i ever be able to get one? That is the one card that i would love to have in my wallet any tips on getting an approval...I have 2 items on my EX report one of which im in the process of getting removed...

NFCU $17k Amex Gold Jared $3k PC Richards $1500 Discover IT $1800 NYCO $3k BOFA $4500 Macys $2400 Credit One $1450 Victorias Secret $2950 Walmart $4k Target $800 Capital One $1850 JCrew $8700 Paypal $600 Best Buy Mastercard $1500 Barclays $1430 Amazon Store Card $480 Amazon Visa $4k The Limited $1050 Old Navy $5k Overstock $1150 Citibank Dc $1700 Raymour and Flanigan $2500 Chase Freedom $1k Chase Slate $3200
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Amex Recon?

What's your cr profile look like? Current cc's? Inq's? Baddies? Amex is not difficult to obtain but we need a little bit more info
Regular Contributor
Posts: 106
Registered: ‎02-23-2013
0

Re: Amex Recon?

i have a total of about 10 cards util about 24% two baddies on my EX one paid nys tax lien and the other FPB card that charged off and paid in NYS i can have it removed in June its from 2008...

NFCU $17k Amex Gold Jared $3k PC Richards $1500 Discover IT $1800 NYCO $3k BOFA $4500 Macys $2400 Credit One $1450 Victorias Secret $2950 Walmart $4k Target $800 Capital One $1850 JCrew $8700 Paypal $600 Best Buy Mastercard $1500 Barclays $1430 Amazon Store Card $480 Amazon Visa $4k The Limited $1050 Old Navy $5k Overstock $1150 Citibank Dc $1700 Raymour and Flanigan $2500 Chase Freedom $1k Chase Slate $3200
Regular Contributor
Posts: 106
Registered: ‎02-23-2013
0

Re: Amex Recon?

[ Edited ]

No late payments...But the reason theyve given me is Legal items...I had a card with them back in 2004 that i was delinquent on but through wage garnishments it was paid in about 2006 so maybe im blacklisted or something idk...

NFCU $17k Amex Gold Jared $3k PC Richards $1500 Discover IT $1800 NYCO $3k BOFA $4500 Macys $2400 Credit One $1450 Victorias Secret $2950 Walmart $4k Target $800 Capital One $1850 JCrew $8700 Paypal $600 Best Buy Mastercard $1500 Barclays $1430 Amazon Store Card $480 Amazon Visa $4k The Limited $1050 Old Navy $5k Overstock $1150 Citibank Dc $1700 Raymour and Flanigan $2500 Chase Freedom $1k Chase Slate $3200
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Amex Recon?

Wait until your two baddies are off your report. Amex is forgiving but the higher util is not helping you now. After the baddies are off and your util is down you should be fine. How many inq's and new accounts this year?
Established Contributor
Posts: 529
Registered: ‎10-25-2012
0

Re: Amex Recon?


Pastryprincessnails wrote:

No late payments...But the reason theyve given me is Legal items...I had a card with them back in 2004 that i was delinquent on but through wage garnishments it was paid in about 2006 so maybe im blacklisted or something idk...


I would imagine the "legal items" reason they gave you, would be the NYS tax lien IMO

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Amex Recon?

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: Amex Recon?


Pastryprincessnails wrote:

No late payments...But the reason theyve given me is Legal items...I had a card with them back in 2004 that i was delinquent on but through wage garnishments it was paid in about 2006 so maybe im blacklisted or something idk...


Yea sounds like you may be on their naughty list Smiley Very Happy

 

Try giving their EO a call

 

1800 297 6197

 

 

Ask about getting their Optima card, its an AMEX for people who have burned them, paid off their debt, and want to mend fences back!




EQ FICO 548 3/3/16
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Regular Contributor
Posts: 106
Registered: ‎02-23-2013
0

Re: Amex Recon?

And yes they did pull my credit report got the alert Smiley Sad
NFCU $17k Amex Gold Jared $3k PC Richards $1500 Discover IT $1800 NYCO $3k BOFA $4500 Macys $2400 Credit One $1450 Victorias Secret $2950 Walmart $4k Target $800 Capital One $1850 JCrew $8700 Paypal $600 Best Buy Mastercard $1500 Barclays $1430 Amazon Store Card $480 Amazon Visa $4k The Limited $1050 Old Navy $5k Overstock $1150 Citibank Dc $1700 Raymour and Flanigan $2500 Chase Freedom $1k Chase Slate $3200

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