Should have left well enough alone!

[09Lexie]

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@koalablue wrote:

I agree. Why not give Amex a call and recon? Chances arent great but cant hurt. Just make sure they don't do another hard pull,

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I tried to check the reason(s) online but the website kept giving me internal error ( bad sign)  and the backdoor number listed is closed.  I will try again tomorrow and update this post. 

[09Lexie]

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@09Lexie wrote:

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@koalablue wrote:

I agree. Why not give Amex a call and recon? Chances arent great but cant hurt. Just make sure they don't do another hard pull,

---

I tried to check the reason(s) online but the website kept giving me internal error ( bad sign)  and the backdoor number listed is closed.  I will try again tomorrow and update this post. 

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I called - still getting the internal error- the rep I spoke to got the same error too!  After putting me on hold a few minutes he came back with the following reasons:

1. Length of time accounts established ( I should have known better)

2. bk , public record ( ch 13 dismissed in 2005 damn EQ )

3 credit score 702 ( happy to see I broke 700 even with all the apping)

4. Number of inq - (5 purchased a car earlier this year)

He was really nice and suggested to reapply in a month cause my score was descent enough - I just didn't have the length of time established/credit limits on revolving credit.  As long as I keep my util 6-9%, stop apping ...I can see it closer now.

[tinuviel]

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@09Lexie wrote:

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@09Lexie wrote:

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@koalablue wrote:

I agree. Why not give Amex a call and recon? Chances arent great but cant hurt. Just make sure they don't do another hard pull,

---

I tried to check the reason(s) online but the website kept giving me internal error ( bad sign)  and the backdoor number listed is closed.  I will try again tomorrow and update this post. 

---

I called - still getting the internal error- the rep I spoke to got the same error too!  After putting me on hold a few minutes he came back with the following reasons:

1. Length of time accounts established ( I should have known better)

2. bk , public record ( ch 13 dismissed in 2005 damn EQ )

3 credit score 702 ( happy to see I broke 700 even with all the apping)

4. Number of inq - (5 purchased a car earlier this year)

He was really nice and suggested to reapply in a month cause my score was descent enough - I just didn't have the length of time established/credit limits on revolving credit.  As long as I keep my util 6-9%, stop apping ...I can see it closer now.

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The good news to take away from this is that he told you want they want to see in order to approve you. So, garden away for a bit and then try again. Good luck!