Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 177
Registered: ‎10-14-2011
0

Re: Odds at Getting Approved for Amex Blue Cash Everyday


FrugalRican wrote:

 

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



LOL

Moderator Emeritus
Posts: 14,631
Registered: ‎12-30-2011
0

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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 693, EQ 8 714, TU 8 710, EX 8 724 (05/27/16)
Goal Score: 700 on EQ 04 (01/01/17)


Take the myFICO Fitness Challenge
Contributor
Posts: 108
Registered: ‎03-04-2012
0

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
Posts: 2,876
Registered: ‎02-02-2012
0

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
Posts: 1,107
Registered: ‎02-15-2012
0

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
Posts: 2,876
Registered: ‎02-02-2012
0

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
Posts: 108
Registered: ‎03-04-2012
0

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 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
Posts: 15,453
Registered: ‎04-09-2011
0

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
Posts: 108
Registered: ‎03-04-2012
0

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 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
Posts: 108
Registered: ‎03-04-2012
0

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.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.