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10-16-2013 07:24 AM
10-16-2013 07:40 AM
@12njoy: I noticed you stated you had to recon all but 1 of your current accts. If you don't mind my asking, did that include your AMEX accts also? I'm asking b/c I just got turned down for them for a second time since early Sept. a few days ago. I'm currently waiting for the denial letter in the mail. I haven't called to try a recon yet. I apped for the Green card.
10-16-2013 07:49 AM
For the most part amex cards were recoon due to fraud alert on credit report required them to verify my identity otherwise would have been instant. I did have to recon the blue cash preferred because I already had the blue cash everyday.
10-16-2013 08:13 AM
My EQ FICO score went up about 10-15 points (66o's - 687) from when I applied on August 6th. My student loans also came back on my report after being transferred (126K). I opened up one new American Express card with a limit of $4,500. Oh and maybe the big item (I guess) was that the chargeoff's all aged over 5 years effective October 1st. A couple of inquires came off. This is all that has changed. I really think it must have been the age of the chargeoff's because when I was denied in August that was all that they cited.