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Frequent Contributor
Posts: 271
Registered: ‎02-10-2013
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Re: Denied Amex BCE

Two years might be even better, to make sure all the inquiries fall off.

Frequent Contributor
Posts: 493
Registered: ‎12-07-2012
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Re: Denied Amex BCE

Alright, TU is locked down now. No more inquiries!!

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Frequent Contributor
Posts: 359
Registered: ‎11-25-2012
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Re: Denied Amex BCE

OP, I think you might seriously have an app'ing problem.  I don't come on the boards that often, but I remember you for the crazy high number of inquiries you had/have.  I'd suggest adblocking anything that looks like it might be a CC app.  Take care of the cards you have and GARDEN.  No lender is going to take you seriously once they see how many times you've sought out credit.  Quite frankly, the fact that you haven't had AA from your current lenders is shocking imo.

 

I'd even suggest avoiding the MyFico boards once you've finally decided to stop apping.  This place can sometimes be triggering to app, especially when you see the success stories for others regarding approvals and CLIs.  

 

Good luck.  


Building the perfect card portfolio, one app at a time.
Available credit: $65k+
INQs: 1 TU, 3 EX, 0 EQ
Planned apps: NONE! Gardening indefinitely! - Seedling 4/15/15 :smileysad:
Established Contributor
Posts: 909
Registered: ‎12-25-2010
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Re: Denied Amex BCE


ilovelisa wrote:

Alright, TU is locked down now. No more inquiries!!


Good for you..if you have impulse tendencies then sometimes you have protect yourself from yourself.. I think we've given you all the tough love you need, now get back to the garden at once!!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Contributor
Posts: 1,551
Registered: ‎11-10-2012
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Re: Denied Amex BCE


myjourney wrote:

ilovelisa wrote:

So I know, I'm supposed to be gardening, I apped for the BCE and they pulled TU and denied me a couple of days later. They said my internal risk score was high, too many recent accounts opened, and too many inquiries, and they said my TU score of 717 was too low. I called the recon # I found on here, and told them that I regretted closing my Zync card, and regretted losing my relationship with Amex, I told them I would be fine with a $500 starting limit so I could be back with such a great company. Boy I laid it on thick lol. So he submitted my app for re-evaluation. Does anyone think I have the slightest chance of being approved even with a $500 limit. I also realize that if approved I will probably get auto FR'ed which this time I will fill out the form. And if denied again, should I call their exec #?


I know this is not OP with 82 INQ'S:smileysad:

I have been in your corner the hole time but I must tell you the truth at this point.

Are you serious your just asking for trouble doing any app's are you looking to lose accounts due to AA,FR?

For your own good stop


+1...I will have to agree.

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Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Denied Amex BCE

Glad you followed through with freezing TU. now, the hard part; keeping them frozen- all 3!
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