07-23-2013 10:48 AM
Currently in garden after a successful app spree. I had an AMEX charge off that was paid and has fallen off my CR. My current CR is close to clean with no lates or charge off's and will be middle of next year. I've read about people having difficulty obtaining CC with companies that have had a marked history even if it doesnt show up on CR.
My question is, should I contact AMEX before or apply and hope for approval and then recon if declined? Thanks in advance...
07-23-2013 10:49 AM
Personally, I would wait until absolutely everything has fallen off since it will only be a year, but I guess it'd be worth a shot. Try applying for a charge card first (instead of a revolver) as people have said the U/W for those is a little less strict.
07-23-2013 10:52 AM
07-23-2013 10:57 AM
Good Question. I think its related to my mortgage because when I was approved for mortgage I saw a steeper drop in EX than the other two which at the time all three were relatively the same. The file contains basically the same information across all 3. Maybe 1 additional inquiry.
I havent completely made sense of it...
07-23-2013 11:24 AM
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