10-04-2012 08:30 AM
I have a amex zync 2 years and a starwood card almost 1 year old...
I keep applying for CLI every month and comes back denied "reason past deragatory account"
I had an amex back in 2001 which went into collections and paid off in full.
How do I convince amex that I was irresponcible back then and Its wierd that they approved me for the cards and keep sending me pre approvals but cant CLI my starwood card.
10-04-2012 08:42 AM
Other than applying online, have you contacted anyone in their recon department?
It's known that Amex (nor their computers) do not forget past history. What is your usage on the SPG?
10-04-2012 08:59 AM
No I havent contacted them on phone yet for anything.
I have a $1000 limit and heavy usage almost 10k in a year now.
Maybe I will call them on phone next time for a CLI
10-04-2012 09:17 AM
On your denail letter, there should be a number to call. I would call that. Explain your situation. I think the only way you will get around the automatic block is to have your account reviewed manually.
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.