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Contributor
Posts: 76
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...

Amex Gold Jared $3000 PC Richards $1500 Discover IT $1200 NYCO $1200 BOFA $1000 Macys $1000 Credit One $1000 Victorias Secret $950 Walmart $900 Target $800 Capital One $750 JCrew $700 Paypal $600 Best Buy Mastercard $500 Barclays $500 Amazon Store Card $480
Moderator
Posts: 27,207
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
Contributor
Posts: 76
Registered: ‎02-23-2013
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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...

Amex Gold Jared $3000 PC Richards $1500 Discover IT $1200 NYCO $1200 BOFA $1000 Macys $1000 Credit One $1000 Victorias Secret $950 Walmart $900 Target $800 Capital One $750 JCrew $700 Paypal $600 Best Buy Mastercard $500 Barclays $500 Amazon Store Card $480
Contributor
Posts: 76
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...

Amex Gold Jared $3000 PC Richards $1500 Discover IT $1200 NYCO $1200 BOFA $1000 Macys $1000 Credit One $1000 Victorias Secret $950 Walmart $900 Target $800 Capital One $750 JCrew $700 Paypal $600 Best Buy Mastercard $500 Barclays $500 Amazon Store Card $480
Moderator
Posts: 27,207
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
Posts: 529
Registered: ‎10-25-2012
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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...


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

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Posts: 27,207
Registered: ‎09-13-2012
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Re: Amex Recon?

Mega Contributor
Posts: 15,442
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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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 76
Registered: ‎02-23-2013
0

Re: Amex Recon?

And yes they did pull my credit report got the alert :smileysad:
Amex Gold Jared $3000 PC Richards $1500 Discover IT $1200 NYCO $1200 BOFA $1000 Macys $1000 Credit One $1000 Victorias Secret $950 Walmart $900 Target $800 Capital One $750 JCrew $700 Paypal $600 Best Buy Mastercard $500 Barclays $500 Amazon Store Card $480
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