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I'm such an idiot. Amex denial

Regular Contributor

I'm such an idiot. Amex denial

Just like the subject says, my smart self decided to app for the AMEX green card knowing I have 18 inq on my EX report and just opened up 3 cards last month. Anyhow, it was instant and painless. DENIED!

 

Just for laughs and giggles, I decided to ring up the number listed in the backdoor thread. The stats given to me are as follows:

 

Fico 632

Too many recent accounts

Too many inquires

Lenghth of time accounts established

Major derogatory (charge off last year) - this is my only baddie. Wife was awarded a vehicle.. wait, let me start over. My X wife was awarded a vehicle in our divorce proceedings and she decided not to pay it. Not much I can do right now.

 

AAoA = 3.1 years

Util 11%

1 Cap1 card opened for 18 months, paid on time

Barclays, Walmart and Amazon opened last month

Auto loan opened 3 months ago $23k balance

1 AU account for 5 years

 

Anyhow, back to the garden for 12 months or until I figure out how to get this CO off my report. Smiley Embarassed



FICO: EX 662 | EQ 670 | TU 681
Message 1 of 16
15 REPLIES
Regular Contributor

Re: I'm such an idiot. Amex denial

I was told it was a EX pull only by the way.



FICO: EX 662 | EQ 670 | TU 681
Message 2 of 16
Moderator Emerita

Re: I'm such an idiot. Amex denial

I won't pile on- you've done that already. At least it was one pull only and you know what you need to work on for next year!
Message 3 of 16
Super Contributor

Re: I'm such an idiot. Amex denial


09Lexie wrote:
I won't pile on- you've done that already. At least it was one pull only and you know what you need to work on for next year!

Head back to the garden for awhile it will be yours in timeSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 16
Regular Contributor

Re: I'm such an idiot. Amex denial

Thanks 09lexie .... but I hate to say it, with that charge off there, and nothing more I can do with it, I dont see AMEX and I having any kind of relationship in the next 5 years or so.

 

The good news is ... I finally know my EX FICO ... LOL



FICO: EX 662 | EQ 670 | TU 681
Message 5 of 16
Highlighted
Senior Contributor

Re: I'm such an idiot. Amex denial

Love how the court can award things like that.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 6 of 16
Regular Contributor

Re: I'm such an idiot. Amex denial


drkaje wrote:

Love how the court can award things like that.


Maybe I should fax the CB my divorce decree and claim "its not mine" in my dispute or even "no longer liable for this account" ...Hmmm..... LOL

 



FICO: EX 662 | EQ 670 | TU 681
Message 7 of 16
Senior Contributor

Re: I'm such an idiot. Amex denial

When in doubt, dispute;

It is the creditor's responsibility to provide debt verification.

;not encouraging dispute correct info. Legally speaking, they must provide dox, just like they ask you

I bet if you absolutely HAULT all apping and credit activity, you could get to 680 FICO in 6-9 months, then get yourself an Amex :-)

 

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 16
Valued Contributor

Re: I'm such an idiot. Amex denial

I think you've beaten yourself up enough...if ever there was a candidate for the Garden...that would be you!  Go there, let your garden grow, try again in a year or so.

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 9 of 16
Frequent Contributor

Re: I'm such an idiot. Amex denial

freeze to stop your itching?  



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 10 of 16