Planning App Spree, PLEASE COME HELP!

[HopefulGardner]

Sorry I wasn't intedning on more than three cards, but that's a spree in my opinion haha.

Thanks guys!

Got the Discover for 1500

Freedom for only 700, they woman was really hesitant, said 500 initailly

Wondering if its worth it to try the Amex Green or Gold...afraid of rejection lol

[webhopper]

---

@HopefulGardner wrote:

Sorry I wasn't intedning on more than three cards, but that's a spree in my opinion haha.

Thanks guys!

Got the Discover for 1500

Freedom for only 700, they woman was really hesitant, said 500 initailly

Wondering if its worth it to try the Amex Green or Gold...afraid of rejection lol

---

go for Amex,  Freedom and Discover are harder to get in my experience

Congrats on Discover and Freedom XD

[myjourney]

---

@HopefulGardner wrote:

Sorry I wasn't intedning on more than three cards, but that's a spree in my opinion haha.

Thanks guys!

Got the Discover for 1500

Freedom for only 700, they woman was really hesitant, said 500 initailly

Wondering if its worth it to try the Amex Green or Gold...afraid of rejection lol

---

Congrats

[LS2982]

---

@HopefulGardner wrote:

Sorry I wasn't intedning on more than three cards, but that's a spree in my opinion haha.

Thanks guys!

Got the Discover for 1500

Freedom for only 700, they woman was really hesitant, said 500 initailly

Wondering if its worth it to try the Amex Green or Gold...afraid of rejection lol

---

CONGRATS on your approvals!!!

Go for an AMEX charge car, you should be fine getting it!!

[HopefulGardner]

Thanks guys,

Amex gave me a 7-10 days wait, then app status said declined. I will give them a call tomorrow.

[LS2982]

---

@HopefulGardner wrote:

Thanks guys,

Amex gave me a 7-10 days wait, then app status said declined. I will give them a call tomorrow.

---

I would wait until the denial letter comes in then call. AMEX is a tough one to recon, it has to be something inaccurate with their denial reasons for them to reverse.

[HopefulGardner]

The automated service mentioned my TU report, so I am hoping I can explain the erroneous collection on that report. Do you think I have a chance?

[LS2982]

---

@HopefulGardner wrote:

The automated service mentioned my TU report, so I am hoping I can explain the erroneous collection on that report. Do you think I have a chance?

---

If you can prove the collection is erroneous and thats the main thing they declined you on yes.

What card did you apply for??

[webhopper]

---

@HopefulGardner wrote:

The automated service mentioned my TU report, so I am hoping I can explain the erroneous collection on that report. Do you think I have a chance?

---

Yes.  Send them a letter to

American Express
P.O.Box 981540
El Paso, TX 79998-1540

Dear American Express:

I am writing to see if you would reconsider the recent credit card application, which was declined by your automated system. 

I believe the reason for the decline from the Automated System is the presence of an erroneous collections account appearing on my Transunion Consumer Credit Report.

This collection is an error, as I have  A) already paid the original creditor. B) no knowledge of the account C) belongs to someone with a similar name or address

I am enclosing the following documents to support my claim.

1. List relevant documents here

Please reconsider my application for your American Express Green Card.   I value any opportunity to become your newest American Express Cardmember, and all of the benefits that accompany this privilege.

Thanks,

MyFico Forum Member

[HopefulGardner]

I applied for the Gold charge.

Webhooper thanks! I will do that once I get the rejection letter.