Reply
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Amex reconsiders themselves?

I applied for the Amex Green October 11, 2012. I was denied and a letter was sent to me listing inquiries and 2 paid collections as the reason for the denial. Last week, the collections were removed. This morning, I saw that American Express pulled my Experian report again. I thought that was strange, since I didn't apply again. Later in the day I got an email saying that my application had been approved! Has anyone had this happen before? it was 20 days between the application, which resulted in a denial and then an approval from a second hard pull that I didn't authorize.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Member
Posts: 152
Registered: ‎09-17-2012
0

Re: Amex reconsiders themselves?


LesWH wrote:

I applied for the Amex Green October 11, 2012. I was denied and a letter was sent to me listing inquiries and 2 paid collections as the reason for the denial. Last week, the collections were removed. This morning, I saw that American Express pulled my Experian report again. I thought that was strange, since I didn't apply again. Later in the day I got an email saying that my application had been approved! Has anyone had this happen before? it was 20 days between the application, which resulted in a denial and then an approval from a second hard pull that I didn't authorize.


That's odd. Did you ask for a recon? :smileyhappy:

Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: Amex reconsiders themselves?

congrats, never heard of this though.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: Amex reconsiders themselves?

Are you sure it was a Hard Pull and not a soft inquiry? Amex soft pulls/inquires a lot,

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Amex reconsiders themselves?


bettercreditguy1 wrote:

Are you sure it was a Hard Pull and not a soft inquiry? Amex soft pulls/inquires a lot,


It was definitely a hard pull on Experian. There are now 2 hard pulls from American Express on my Experian report. One from October 11, 2012 and one from October 31, 2012.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Amex reconsiders themselves?

That is very strange. I would definitely call in and ask what happened.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: Amex reconsiders themselves?

I would definitely call and try to get one of them inquiries recoded.

Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

Re: Amex reconsiders themselves?


alboto wrote:

I would definitely call and try to get one of them inquiries recoded.


How do I do that? Call Amex or Experian?


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Member
Posts: 28
Registered: ‎06-24-2012
0

Re: Amex reconsiders themselves?

Maybe when the collections were removed they notified those that had pulled your credit recently and Amex got the new report.  I know when I have successfully disputed items in the past I get this message from the CRA that they will notify anyone who has recently received my CR but I never thought it actually worked.

EX08: 832 (myFICO 10/07/14)
TU08: 799 (Walmart/MC 02/04/15)
TU08: 834 (myFICO 10/07/14)
EQ08: 830 (myFICO 10/07/14)
EQ04: 805 (Digital Credit Union 02/27/15)
Valued Member
Posts: 28
Registered: ‎06-24-2012
0

Re: Amex reconsiders themselves?

BTW twelfthjoe2, love the siggy.  How did you do it?

EX08: 832 (myFICO 10/07/14)
TU08: 799 (Walmart/MC 02/04/15)
TU08: 834 (myFICO 10/07/14)
EQ08: 830 (myFICO 10/07/14)
EQ04: 805 (Digital Credit Union 02/27/15)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.