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Odds at Getting Approved for Amex Blue Cash Everyday

Regular Contributor

Re: Odds at Getting Approved for Amex Blue Cash Everyday


FrugalRican wrote:

 

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



LOL

Moderator

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Contributor

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

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

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: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Blogger

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 Smiley Happy

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

Re: Odds at Getting Approved for Amex Blue Cash Everyday

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 Smiley Happy

*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

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 Smiley Happy

*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!!!!!




EQ FICO 548 3/3/16
Contributor

Re: Odds at Getting Approved for Amex Blue Cash Everyday


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 Smiley Happy

*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. Smiley Sad

Contributor

Re: Odds at Getting Approved for Amex Blue Cash Everyday

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.