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Pastryprincessnails
Posts: 72
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...


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09Lexie
Posts: 25,416
Registered: ‎09-13-2012
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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
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Pastryprincessnails
Posts: 72
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...


Starting Score:TU 629 EQ 639 Ex LP 619
Current Score: 658 Walmart TU EQ 697 EX LP 619
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New Contributor
Pastryprincessnails
Posts: 72
Registered: ‎02-23-2013
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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...


Starting Score:TU 629 EQ 639 Ex LP 619
Current Score: 658 Walmart TU EQ 697 EX LP 619
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09Lexie
Posts: 25,416
Registered: ‎09-13-2012
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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
tattooedhusker
Posts: 500
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

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09Lexie
Posts: 25,416
Registered: ‎09-13-2012
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Re: Amex Recon?

Mega Contributor
LS2982
Posts: 15,434
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 :smileyvery-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!




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New Contributor
Pastryprincessnails
Posts: 72
Registered: ‎02-23-2013
0

Re: Amex Recon?

And yes they did pull my credit report got the alert :smileysad:

Starting Score:TU 629 EQ 639 Ex LP 619
Current Score: 658 Walmart TU EQ 697 EX LP 619
Goal Score: 700
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