https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4957316#M163144 <P>Congrats on your approval!!!</P> Wed, 24 May 2017 02:10:38 GMT Anonymous 2017-05-24T02:10:38Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4953844#M162835 <P>After disputing (and removing) an item off my report, the CRA's have&nbsp;a fraud alert on my reports. Not so bad until you'd like to app a few times before leaving the country for a few months. I applied for both the Chase CSR and the Amex Gold. Both gave me the 30 day decision and I called both immediately. Both want address verifications. I was SUCH a fool when allowing Amex to call my bank as I remembered I hadn’t updated my address since we bought the new house. Verification obviously failed and they asked for a letterhead. Thankfully my bank was more than happy to give it to me and even fax it for me. If you’re in the south, get a BBVA account. They rock. Funny thing about that—he didn’t even check my ID so I could have been&nbsp; anyone. So foolproof, eh, Amex? Later on I called Chase to go through the whole process again. With them though, they asked that I go into a branch. I will update as I go along. Both have stated that the app is approved if the address can be verified. I leave on the 29th for 3 months which would negate any bonus sign up points if they can’t get me the cards on time. Crossing my fingers!</P><P>&nbsp;</P><P>For some data points, Amex pulled TU; 680. Chase pulled Experian; 690 (both are FICO 8 scores; high UTL right now as we’re remodeling but always PIF). I am an AU on accounts already (3 Amex, 2 Chase) with big spends/limits for both. Not sure if that helped. My TU went up 4 points for the inquiry! So strange!</P> Fri, 19 May 2017 18:55:44 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4953844#M162835 wilkersonk 2017-05-19T18:55:44Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4953958#M162843 <P>Verified myself at the Chase branch and CSP approved! 16k starting CL (I was hoping for a 5k line as my highest personal CL is $4k) which is insane because I started with high 500s/low 600s not even a year ago when CapitalOne took a chance and gave me a QS One. I learned a TON from this forum and wouldn't have ever been able to accomplish what I have without it.</P> Fri, 19 May 2017 20:52:17 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4953958#M162843 wilkersonk 2017-05-19T20:52:17Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4957316#M163144 <P>Congrats on your approval!!!</P> Wed, 24 May 2017 02:10:38 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4957316#M163144 Anonymous 2017-05-24T02:10:38Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4957778#M163174 <P>Congrats, I hope they both arrive in time.</P> Wed, 24 May 2017 17:48:29 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Amex-amp-CSR-A-Fraud-Alert-Story/m-p/4957778#M163174 TiggerDat 2017-05-24T17:48:29Z