Applied for the Amex Costco true earnings online. Took a week for Amex to update with costco. I checked online today and Amex said they received app.
I immediately called and asked to check. The csr pushed my app through and said the dreadfull "Unfortunately we will not be able to...yada yada yada." I asked to speak to an account specialist to plead case and the csr said there is not much we can do. I told her there are plenty of people that have gotten reconsidered after speaking to a supervisor. She then replied, "We have recently changed our policies and because of the economy, nobody in the office including my supervisor can manually overide the approval system." I was shocked when see said this. Asked to speak with supervisor anyway. In a nut shell, she told me there are 5 negatives on my Experian report and I need to get those removed. I pleaded my case of 1 is a cc in dispute from 2001, 1 was a cc paid off from 2004, 1 was a 90 day late from a student loan two years ago during consolidation, 1 energy bill with roomie that was paid when found out in 2006, and last 1 disputed University rental agreement from 2003. Basically all were paid except 2 which were disputed. She said unless they were paid or off the report, there is nothign she could do. I asked why do they only pull Experian, because these baddies have been disputed off my Equifax and transunion...and I have proof of that. She replied that they pull from all three but at random. I told her to pull my Equifax then make your decision because not 1 negative item is on it, just a lower score...go figure. She ended with you already have 5 inquiries and that lowers your score and I dont want to do that to you. Please call us back when you get your files updated. This is just ridiculous. 1 of 3 reports show these tradelines and they dont acknowledge them.
In the best Tony Montana voice I can muster up, "Its ok, She'll be back." Message Edited by Hollywood80 on 04-30-2008 10:11 AM Message Edited by Hollywood80 on 04-30-2008 10:14 AM
Message Edited by Hollywood80 on 04-30-2008 10:14 AM