04-23-2009 06:02 PM
04-24-2009 09:23 AM
private card. i'm both employed and self-employed. I'm looking for the rejection letter to see what it said excactly. what i think i remember is that i have high outstanding balances. Also none of my Visa Signature cards report the actual CL to all 3 CRAs. Only high balances. These reported balances don't even make up half of what the actual CLs are. I don't really feel like recon. Sort of makes me feel like begging and I really don't need the card. I already get my executive member discount at costco.
04-24-2009 09:25 AM
Are you sure they pulled all 3 because it has been 3 days and the only inquiry that has showed up was from EXP?
04-24-2009 03:31 PM - edited 04-24-2009 03:32 PM
I just checked my TU and EQ reports. AMEX shows Hard Pull on both. I have a printed copy of my annualcreditreport freebie from EX and it is on there also.
Also Amex soft pulls me at least quarterly for the last 2 years, both TU and EQ. As far as I remember I have never had an AMEX card. I don't have a mortgage presently and have never made car payments. But CC history goes back to 91. Lived in Europe before that. Cards are citi AAdvantage Visa signature., UA Chase Visa signature, and a BofA AAA Visa signature. combined available credit is about 45K. Maybe I have to recon just for the heck. If I can't get credit from them with EQ Fico 755 I wonder who can.