Reply
Regular Contributor
Skinnyminnie
Posts: 177
Registered: ‎10-14-2011

Re: Odds at Getting Approved for Amex Blue Cash Everyday


FrugalRican wrote:

 

I need more coffee, I totally read that earlier too.



LOL

Moderator
Revelate
Posts: 6,738
Registered: ‎12-30-2011

Re: Odds at Getting Approved for Amex Blue Cash Everyday


FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

 

Did you call?


Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


Take the myFICO Fitness Challenge
Contributor
JaneS1123445
Posts: 108
Registered: ‎03-04-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday

You make a valid point. Both TransUnion and Equifax have my previous and current addresses inverted. The only one who got it right is Experian.
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday


Revelate wrote:

FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

 

Did you call?


Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.


Yep, they are current on everything.

 

And then I get to do it again in November. Hurray.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Valued Contributor
crunching_numbers
Posts: 1,092
Registered: ‎02-15-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday


FrugalRican wrote:

Revelate wrote:

FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

 

Did you call?


Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.


Yep, they are current on everything.

 

And then I get to do it again in November. Hurray.


FrugalRican, is that a good hurray, or a sarcastic hurray?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday


crunching_numbers wrote:

FrugalRican wrote:

Revelate wrote:

FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

 

Did you call?


Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.


Yep, they are current on everything.

 

And then I get to do it again in November. Hurray.


FrugalRican, is that a good hurray, or a sarcastic hurray?



A little of both. Tired of moving around so much lol

But a good hurray because it's me moving in with DGF, hopefully :smileyhappy:

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Contributor
JaneS1123445
Posts: 108
Registered: ‎03-04-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday

[ Edited ]

Wanna hear something funny? I called in to check my CL on my Macy's Card, which I've literally used TWICE and paid in full each time, and guess what my credit limit is? $2K!!!! and here I was thinking it was only $100 hahahaaha. I almost fell off my chair at work! Anyhow....If my calculations are correct, my limit of $4k with the Visa, and now the $2K on the Macy's makes for a $6k total, and based on the fact I only have $905 worth of debt on the Visa, my Utilization is only 15%. I'm a happy camper :smileyhappy:

*Edit - They aren't reporting it on my CR. So my utilization shows higher than what it actually is...bummer. I just did an online dispute through Equifax to see if they can adjust it.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Odds at Getting Approved for Amex Blue Cash Everyday


JaneS1123445 wrote:

Wanna hear something funny? I called in to check my CL on my Macy's Card, which I've literally used TWICE and paid in full each time, and guess what my credit limit is? $2K!!!! and here I was thinking it was only $100 hahahaaha. I almost fell off my chair at work! Anyhow....If my calculations are correct, my limit of $4k with the Visa, and now the $2K on the Macy's makes for a $6k total, and based on the fact I only have $905 worth of debt on the Visa, my Utilization is only 15%. I'm a happy camper :smileyhappy:

*Edit - They aren't reporting it on my CR. So my utilization shows higher than what it actually is...bummer. I just did an online dispute through Equifax to see if they can adjust it.


Sweet Congrats!!!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
JaneS1123445
Posts: 108
Registered: ‎03-04-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday

[ Edited ]

LS2982 wrote:

JaneS1123445 wrote:

Wanna hear something funny? I called in to check my CL on my Macy's Card, which I've literally used TWICE and paid in full each time, and guess what my credit limit is? $2K!!!! and here I was thinking it was only $100 hahahaaha. I almost fell off my chair at work! Anyhow....If my calculations are correct, my limit of $4k with the Visa, and now the $2K on the Macy's makes for a $6k total, and based on the fact I only have $905 worth of debt on the Visa, my Utilization is only 15%. I'm a happy camper :smileyhappy:

*Edit - They aren't reporting it on my CR. So my utilization shows higher than what it actually is...bummer. I just did an online dispute through Equifax to see if they can adjust it.


Sweet Congrats!!!!!


Thank you much. Unfortunately, as long as their not reporting it, it doesn't really benefit me. :smileysad:

Contributor
JaneS1123445
Posts: 108
Registered: ‎03-04-2012

Re: Odds at Getting Approved for Amex Blue Cash Everyday

[ Edited ]

Just FYI guys, I called Amex again to see if they needed to verify details with me or possibly needed some docs, find out what the hold up was, etc., and this rep told me a specialist is reviewing my application. He then said I would be contacted if they needed something additional, and when they reach a decision. Practically right after I hung up with him, I got an email stating my application was in processing status and I got a reference number with a link to the "check you status" page.


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+