Reply
Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
0

Re: Got my AMEX denial letter today...

[ Edited ]

LilNYC wrote:

In my exp collections from cable companies are usually easy to dispute & have removed from your CR. do you remember if you gave them your social sec # when u established your acct? If you didn't simply dispute the coll w all 3 CBs Stating that it's not your acct & that there was never any acct assoc with ur soc sec number with xyz company. It worked for me.


it's been several years ago (going on 6yrs) i'm sure i had to give my ssn.

 

i disputed using Experian's online site and they "investigated" it but came back with a report stating that I needed to contact the CA about it. I guess when I have time off from work I will contact them and see if they can remove it. I thought this was taken care of back in 2007 when I bought my first house. It showed up on my CR and I had no clue what it was so i went to the cable company and they removed the fee's and gave me a paper to give to BoA for my mortgage stating it was their mistake and told me that they would tell the CA to take it off my report, but here it is nearly 6yrs later and it still showing up on there.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Got my AMEX denial letter today...

I would also consider typing a letter to the credit bureaus explaining the situation and include a copy of the letter AT&T gave you and mail it to to them. Sometimes you may have to go this route as opposed to doing it online.


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: 1,922
Registered: ‎06-21-2012
0

Re: Got my AMEX denial letter today...


JonStur wrote:

I would also consider typing a letter to the credit bureaus explaining the situation and include a copy of the letter AT&T gave you and mail it to to them. Sometimes you may have to go this route as opposed to doing it online.


Thats a good idea, but the letter went to my mortgage company back in 2007, and it had nothing to do with AT&T.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Member
Posts: 33
Registered: ‎01-05-2011
0

Re: Got my AMEX denial letter today...

[ Edited ]

FWIW, I have had the Zync $500 hard limit for a little over a year.  A few months back, which it reached the 10 month mark, I tested the waters to see if having the zync would help me get a revolver.  At that time I only had 2 old baddies that were scheduled to drop off within 6 months.  I think I tried for the blue back then, I can't remember. Anyway, it was denied for basically the same reasons you were.  My util was probably about 25%, no other problems. 

 

Since then, both baddies have dropped off and when I app'd again it came back denied.  The problem is, I think, they did a SP and used a report from last month which only showed one of the baddies removed.  (Neither of them were actually that bad, both were in the $300-400 range.)  Anyway, in my case, the Zync is about 13 months old, positive history, but even with one baddie showing I was denied. I think if I recon and have them do a HP, it will probably be approved because the same day, I app'd for the Citi TY Premier, instant approval with 5K limit. :smileyvery-happy:

 

ETA: For me, having the Zync didn't help me get a revolver any quicker.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Got my AMEX denial letter today...


CK_Charles_Lover wrote:

Have to agree, 2 1/2 months with a zync with a hard limit, probably not going to work out. The good news only a SP and you can use that experian letter to get your report for free. Go to experian and click the "denied" credit and fill it out. 90 days (great if you don't get already). 

 

ps. if you have come 100 points ahead in a year imagine where you could be another year. Patience will be your best friend.


+1

 


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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.