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Regular Contributor
Posts: 236
Registered: ‎12-09-2011
0

Denied Zync.....stupid Dungeon

I caved, I figure the year was ending my AAoA is 2yrs and I might as well give it a try. I have two paid collections on my Ex....which the denial letter states my Ex FICO is 644, at least that's pretty cool, I thought it was much lower! Should I give the Exec. Recon a call in the AM? :-( I could almost feel the plastic!


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Established Contributor
Posts: 768
Registered: ‎04-08-2011
0

Re: Denied Zync.....stupid Dungeon

I would try calling for recon, you already took the hit, might as well, at worst they'd deny you again. You'd still be in the same shape you are in now


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Established Contributor
Posts: 541
Registered: ‎12-02-2011
0

Re: Denied Zync.....stupid Dungeon


Mickey11 wrote:
I caved, I figure the year was ending my AAoA is 2yrs and I might as well give it a try. I have two paid collections on my Ex....which the denial letter states my Ex FICO is 644, at least that's pretty cool, I thought it was much lower! Should I give the Exec. Recon a call in the AM? :-( I could almost feel the plastic!


Recon!

Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Denied Zync.....stupid Dungeon

+1 Recon

 

Executive Office # 1-800-297-6197

 

Best of Luck, keep us updated.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Established Contributor
Posts: 510
Registered: ‎04-16-2011
0

Re: Denied Zync.....stupid Dungeon

i was denied too, showed my score as 645. reason was student loan debt.... i dont have any >_>


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


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Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: Denied Zync.....stupid Dungeon

 

-----> I caved, I figure the year was ending my AAoA is 2yrs and I might as well give it a try. I have two paid collections on my Ex....which the denial letter states my Ex FICO is 644, at least that's pretty cool, I thought it was much lower! Should I give the Exec. Recon a call in the AM? :-( I could almost feel the plastic!

 

Sorry to hear that you were denied.   What reason(s) did AMEX state for deniying, was it the collections ?   Or AAoA ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
New Visitor
Posts: 1
Registered: ‎12-19-2011
0

Re: Denied Zync.....stupid Dungeon

I can't imagine it being AAoA alone.  I was instantly approved for Zync with about seven months credit history and nothing but a single Capital One Secured Mastercard.  I'd expect that it probably looks worse to have any negative marks with such a short AAoA, though.  

 

Still, I'd personally give them a call.  Zync shouldn't be that tough to qualify for.  You might have just been unlucky.  Of course, I don't think Amex really likes collections much.

Valued Contributor
Posts: 1,309
Registered: ‎04-06-2011
0

Re: Denied Zync.....stupid Dungeon

I was just approved for green with a rather short AAoA. Look at the other factors and see if there's anything that can be done.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Regular Contributor
Posts: 236
Registered: ‎12-09-2011
0

Re: Denied Zync.....stupid Dungeon

I have 2 paid collections on there, I sent out GWs last Monday but I got restless so I app'd, I'll give them a call, I wonder what I should say when I discuss my report with them! Thanks for the encouragement!!!


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Regular Contributor
Posts: 236
Registered: ‎12-09-2011
0

Re: Denied Zync.....stupid Dungeon

Ok I called! I was so nervous for some reason, stupid AmEx all I want is to become friends with you!


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
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