topic Re: Experian 640 to 728 over night in Credit Card Applications

Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 11:12:41 GMT

So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

Need advice

Re: Experian 640 to 728 over night

SouthJamaica — Fri, 13 May 2016 11:40:54 GMT

@Anonymous wrote:
So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

Need advice

No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

(BTW.... congratulations )

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 12:32:39 GMT

@SouthJamaica wrote:
@Anonymous wrote:
So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

Need advice
No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

(BTW.... congratulations )

Thank you, WHich AMEX cards should I apply for? I am really not caring about signup bonuses, just wanting an in with AMEX.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 12:50:38 GMT

I apped for the BCP and was instantly denied. I guess I will wait to see whats on the letter or should I call?

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 13:09:22 GMT

Ugh that sucks. I was just approved for the BCE. I don't know much about recon with them. Hopefully someone chimes in soon. (FWIW, I did have pre-qual offers)

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 13:17:52 GMT

Awesome news, thats the kind of boost I am hoping for.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 13:26:50 GMT

@Anonymous wrote:
Ugh that sucks. I was just approved for the BCE. I don't know much about recon with them. Hopefully someone chimes in soon. (FWIW, I did have pre-qual offers)

Yes very much so. I called the CSR team in India and requested a reconsideration. The online status has changed to "in progress", so lets hope for the best but expect the worst. I suspect this decision was based on my CR from March.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 13:28:21 GMT

@Anonymous wrote:
Awesome news, thats the kind of boost I am hoping for.

Yea it felt great to wake up to this great news. I cant wait for TU and EQ to update. I suspect I will be over 750 on TU and maybe 740 on EQ if I get the same results as I got with EX.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 13:49:10 GMT

@Anonymous wrote:
@Anonymous wrote:
Ugh that sucks. I was just approved for the BCE. I don't know much about recon with them. Hopefully someone chimes in soon. (FWIW, I did have pre-qual offers)
Yes very much so. I called the CSR team in India and requested a reconsideration. The online status has changed to "in progress", so lets hope for the best but expect the worst. I suspect this decision was based on my CR from March.

I'm wishing you the best of luck!

Re: Experian 640 to 728 over night

Loquat — Fri, 13 May 2016 13:51:21 GMT

@Anonymous wrote:
@SouthJamaica wrote:
@Anonymous wrote:
So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

Need advice
No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

(BTW.... congratulations )
Thank you, WHich AMEX cards should I apply for? I am really not caring about signup bonuses, just wanting an in with AMEX.

I would have suggested the Delta Sky Miles as it seems to be the one I see the most here on the forum as far as easier underwriting standards. Best of luck in your recon and please do post the results.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 14:13:06 GMT

@Loquat wrote:
@Anonymous wrote:
@SouthJamaica wrote:
@Anonymous wrote:
So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

Need advice
No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

(BTW.... congratulations )
Thank you, WHich AMEX cards should I apply for? I am really not caring about signup bonuses, just wanting an in with AMEX.
I would have suggested the Delta Sky Miles as it seems to be the one I see the most here on the forum as far as easier underwriting standards. Best of luck in your recon and please do post the results.

I will 100% keep you posted. Can I go ahead and apply for the Delta or do I have to wait 30 days?

Re: Experian 640 to 728 over night

MyLoFICO — Fri, 13 May 2016 14:47:25 GMT

If you got denied, I would wait. You are only racking up inquiries when you don’t know what the problem is. Call them and try to recon the BCE first and see if they can give you a reason for the denial.

Edit: nevermind, I see you already called to recon. I would wait that out.

Re: Experian 640 to 728 over night

SouthJamaica — Fri, 13 May 2016 15:25:35 GMT

@Anonymous wrote:
@Loquat wrote:
@Anonymous wrote:
@SouthJamaica wrote:
@Anonymous wrote:
So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

Need advice
No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

(BTW.... congratulations )
Thank you, WHich AMEX cards should I apply for? I am really not caring about signup bonuses, just wanting an in with AMEX.
I would have suggested the Delta Sky Miles as it seems to be the one I see the most here on the forum as far as easier underwriting standards. Best of luck in your recon and please do post the results.
I will 100% keep you posted. Can I go ahead and apply for the Delta or do I have to wait 30 days?

No just wait. Don't apply for another card while the other app is pending.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 16:01:09 GMT

Agreed. They'll instantly deny you for any app that was just denied. So wait to see if this recon was successful. If not, try in 30 days.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 17:24:45 GMT

After 30 days if you want to apply again, apply for one of their charge cards and do a 2-for-1 with the BCP. Charge cards are generally easier to get approved for since you PIF every month, and even if you get denied again for the BCP, it will only be a SP since you will be a AmEx member by then. If you get approved for BCP, there will only be 1 HP if you app right after the charge card.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 17:26:19 GMT

@Anonymous wrote:
After 30 days if you want to apply again, apply for one of their charge cards and do a 2-for-1 with the BCP. Charge cards are generally easier to get approved for since you PIF every month, and even if you get denied again for the BCP, it will only be a SP since you will be a AmEx member by then. If you get approved for BCP, there will only be 1 HP if you app right after the charge card.

Thank you very much for the information. I will do exactly that.

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 17:33:03 GMT

No problem! Once my EX score went up to 698, I did a 2-for-1 with the PRG card followed by BCP. Got instant approval for PRG, and the 14 day email message for BCP, but a few minutes after I received another email saying BCP was also approved!

Re: Experian 640 to 728 over night

Creditplz — Fri, 13 May 2016 17:56:26 GMT

I was denied with a 731 Ex a few weeks ago, Chase approved me though and I like them more. Guess Amex just do not like my file

Re: Experian 640 to 728 over night

Anonymous — Fri, 13 May 2016 18:03:43 GMT

@Creditplz wrote:
I was denied with a 731 Ex a few weeks ago, Chase approved me though and I like them more. Guess Amex just do not like my file

Honestly between me, you and the fence post, i am not a fan of foreign CSR's. I think its a terrible practice. Discover, BofA, Cap1, USAA and PenFed CSR's are all from the states and that makes me feel comfortable.

I also cancelled my Amazon Prime account due to being transferred to the Phillipines, Mexico and India when I had an order issue. All of those transfers are from one call. Whats happening to America?

Re: Experian 640 to 728 over night

Creditplz — Fri, 13 May 2016 18:20:47 GMT

I agree!!! It's irritating when I'm paying my wife's Platinum bill and I keep having to ask them to repeat themselves. I like Chase!! Every time I call I can hear, they're polite, and very helpful!