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Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011
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Re: Making Sure a SP and Which CRA Pulled from


John060675 wrote:
Coldnmn, just saw your message. Thank you, that gives me a great start.

Your welcome.

Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
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Re: Making Sure a SP and Which CRA Pulled from

I just called American Express, and they gave me the 7 to 10 days message for the Delta SkyMiles credit card application.I have the Optima card, so I was even surprised they allowed me to try for a new card.

I suppose I should call back and ask for a credit line increase to. I do not think that would hurt. Any thoughts?

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
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Re: Making Sure a SP and Which CRA Pulled from

Amex was a big fat decline. Will see if it was a HP or SP.

Sent my email to EO at Cap 1 and waiting for a reply.

Will try CLI from WF tomorrow. Only can take one rejection per day. :-)

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Established Member
Posts: 13
Registered: ‎07-02-2013
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Re: Making Sure a SP and Which CRA Pulled from

Your scores are nowhere near acceptable for AMEX. Doing a little research on this site in advance would have saved you the HP.  I would not go near AMEX with a EQ score under 680 (and no recent bankruptcies).

EQ - FICO/MyFICO 648, FAKO/Credit Karma 683, FICO/DCU 681
EX - FAKO/Credit Sesame 686
TU - FICO/Barclay MC 638 (08), FAKO/Credit Karma 710
Chap13 - 3/2012 + 1 paid judgement on TU only
Barclay Rewards $2800, BOA Cash Rewards (secured) $4800, Discover IT $800, Tigerdirect TigerPay (Comenity) $2900
Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
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Re: Making Sure a SP and Which CRA Pulled from

Seanny, you are correct that my scores are too low. I was just hoping 648 EX was going to get by since I have been a perfect AMEX customer for the past 3 years.  Of well.  Interestingly my Delta application shows canceled,  not declined. I have never heard of this before. 


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Regular Contributor
Posts: 248
Registered: ‎02-16-2013
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Re: Making Sure a SP and Which CRA Pulled from


John060675 wrote:

Seanny, you are correct that my scores are too low. I was just hoping 648 EX was going to get by since I have been a perfect AMEX customer for the past 3 years.  Of well.  Interestingly my Delta application shows canceled,  not declined. I have never heard of this before. 


If you're a current Amex customer, your card application if denied is a SP, and only a HP if approved.  This means you can apply for credit and if denied, won't hurt your credit score.  I'm pretty sure this is what you're experiencing.

AMEX True Earnings (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
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Re: Making Sure a SP and Which CRA Pulled from

I sent an email last night to Capital One EO office and I heard from them today. They checked for a credit line increase and a product change and they said it would have to be manually reviewed.that sounds like it's going to be a decline also. I will find out by Monday though. Keeping my fingers crossed.


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Moderator
Posts: 27,154
Registered: ‎09-13-2012
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Re: Making Sure a SP and Which CRA Pulled from


John060675 wrote:

I sent an email last night to Capital One EO office and I heard from them today. They checked for a credit line increase and a product change and they said it would have to be manually reviewed.that sounds like it's going to be a decline also. I will find out by Monday though. Keeping my fingers crossed.


All CLI's through the EO are sent for manual review.  It may be approved. 

Valued Contributor
Posts: 1,126
Registered: ‎08-29-2007
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Re: Making Sure a SP and Which CRA Pulled from

Just a quick update:

 

I have been in contact with the Capital One EO on a couple occassions, and they have been very nice.  They could not help me yet, since I have an extended fraud alert on my reports.  The Cap 1 EO needed to call me at the phone number listed on the extended fraud alert, which I no longer have.  So, I am in the process of updating the information with the CRAs.  Of course I have to do this in writing, so this will take a week or so to get changed.  Then I hope to get a nice CLI with Cap 1.

 

Concerning the AMEX, I decided to go through a reconsideration with them.  I noticed that they used information from a SP from last month, when my utilization was a lot higher.  I faxed in my Experian CR with a letter explaining my situation.  I called them today, and they said they received it and it is being reviewed.  They said this process can take up to 5 days.

 

A lot of work, but I am hoping it will pay off.  Happy New Year to everyone.


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Valued Contributor
Posts: 7,075
Registered: ‎10-21-2012
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Re: Making Sure a SP and Which CRA Pulled from

Best of luck OP and hope it's a good outcome.

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