US Bank Amex's

[dodgerslv]

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@Anonymous wrote:

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@dodgerslv wrote:

I would like to apply for it but US Bank uses Fico 04 model and they pull EX here in NV where i have about 30 INQs. Also for some reason my FICO 04 are way lower than my 08 scores, almost an 100 point difference for EX and TU.

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Jeez, 30 INQ's.....

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yeah, my EX has been slaughtered here in NV... Everyone seems to pull that here. I have only 4 on TU and 8 in EQ. Half of those EX though are 1-1.5 years old.

[dodgerslv]

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@Ron1 wrote:

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@dodgerslv wrote:

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@Ron1 wrote:

I just applied and I didn't get any instant approval.

Ron.

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hey Ron, call the application status line and if it tells you that your application is still in process and decison normally done in 3 days that means it wasnt an instant denial and it really will go for manual review and U/W will make the decision. Normally if its intant denial the automated system will say it right away.

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Waht is the status no?

Ron.

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its the same number for U/W...i dont know off my mind but its the backdoor numbers sticky thread.

[Anonymous]

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@dodgerslv wrote:

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@Anonymous wrote:

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@dodgerslv wrote:

I would like to apply for it but US Bank uses Fico 04 model and they pull EX here in NV where i have about 30 INQs. Also for some reason my FICO 04 are way lower than my 08 scores, almost an 100 point difference for EX and TU.

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Jeez, 30 INQ's.....

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yeah, my EX has been slaughtered here in NV... Everyone seems to pull that here. I have only 4 on TU and 8 in EQ. Half of those EX though are 1.5-2 years old.

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Trust me, TX is almost as bad. I have 12 INQ's on my EX, 3 on my EQ, and 2 on my TU.

[Ron1]

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@dodgerslv wrote:

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@Ron1 wrote:

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@dodgerslv wrote:

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@Ron1 wrote:

I just applied and I didn't get any instant approval.

Ron.

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hey Ron, call the application status line and if it tells you that your application is still in process and decison normally done in 3 days that means it wasnt an instant denial and it really will go for manual review and U/W will make the decision. Normally if its intant denial the automated system will say it right away.

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Waht is the status no?

Ron.

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its the same number for U/W...i dont know off my mind but its the backdoor numbers sticky thread.

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I got it. It is 1-800-947-1444, option1 for the status. It said, it has been denied.

Ron.

[chalupaman]

Ron I thought you weren't gonna go for the card. In any case, I hope you get approved. I kinda changed my mind a bit and will probably hold off on this.

Edit: Oh man. Sorry to hear that.

[Anonymous]

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@chalupaman wrote:

Ron I thought you weren't gonna go for the card. In any case, I hope you get approved. I kinda changed my mind a bit and will probably hold off on this.

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Read me.

That sucks, Ron.

Recon?!

[Ron1]

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@chalupaman wrote:

Ron I thought you weren't gonna go for the card. In any case, I hope you get approved. I kinda changed my mind a bit and will probably hold off on this.

Edit: Oh man. Sorry to hear that.

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I guess I changed my mind. I got denied.

Ron.

[CreditCuriosity]

Sorry to hear, but can alway try to recon when you find the reasons.  Weird if you have a cash+ already they would deny this.

[Ron1]

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@CreditCuriousity wrote:

Sorry to hear, but can alway try to recon when you find the reasons.  Weird if you have a cash+ already they would deny this.

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I am talking to underwriting. He put me on hold.

Ron.

[dodgerslv]

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@Ron1 wrote:

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@dodgerslv wrote:

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@Ron1 wrote:

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@dodgerslv wrote:

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@Ron1 wrote:

I just applied and I didn't get any instant approval.

Ron.

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hey Ron, call the application status line and if it tells you that your application is still in process and decison normally done in 3 days that means it wasnt an instant denial and it really will go for manual review and U/W will make the decision. Normally if its intant denial the automated system will say it right away.

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Waht is the status no?

Ron.

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its the same number for U/W...i dont know off my mind but its the backdoor numbers sticky thread.

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I got it. It is 1-800-947-1444, option1 for the status. It said, it has been denied.

Ron.

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oh man Ron...sorry to hear. Did you press to button to talk to UW...sometimes they can give you the reason over the phone and you can ask them to go on manual review cuz it seems the computer auto denied you. Give it a shot.

edit: let us know the outcome