Reply
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Good news bad news :) AMEX vs. CU

Good News: I keep pinching myself and going back to their approval page to make sure it wasn't an error.

 

hurray for me-1.JPG

 

On top of this I got approved for $1,800 CL Walmart Discover.

 

Bad News:

 

AMEX pulled all three CR's for the 2 cards.

 

Worse news:

Even though my CU came back with an EQ score of 683 (which is much higher than my 661 here) they are not willing to give me the LOC that they previously indicated I was qualified for.  They say lates with Cap1 Auto is killing me.  I'm still negotiating with them but damn this sucks.  Only good side of this is I can use the rejection letter to send to SBA to go with my application showing that I can't get credit elsewhere.

 

 

Kind of an up and down day...mostly up but really frustrated with CU.  Crap, I just got approved for two AMEX cards and CU will not bend.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Good news bad news :) AMEX vs. CU

Well, to focus on the positive... even though they pulled 3 reports, you still got approved for TWO Amex cards!!! Congratulations!!! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}