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Established Contributor
LesWH
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.


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Established Member
twelfthjoe2
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
migliogiorni
Posts: 657
Registered: ‎06-27-2012
0

Re: Amex reconsiders themselves?

congrats, never heard of this though.

 

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Established Contributor
bettercreditguy1
Posts: 758
Registered: ‎02-11-2012
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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)


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Established Contributor
LesWH
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

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Valued Contributor
Epcot
Posts: 2,784
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 809 EX 774 TU 805
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Regular Contributor
alboto
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
LesWH
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?


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Valued Member
Wahoo
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: 821 (Walmart/MC 10/06/14)
TU08: 834 (myFICO 10/07/14)
EQ08: 830 (myFICO 10/07/14)
EQ04: 802 (Digital Credit Union 09/26/14)
Valued Member
Wahoo
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: 821 (Walmart/MC 10/06/14)
TU08: 834 (myFICO 10/07/14)
EQ08: 830 (myFICO 10/07/14)
EQ04: 802 (Digital Credit Union 09/26/14)

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