topic Can't get Citi or Amex with 788 FICO in Credit Cards

Can't get Citi or Amex with 788 FICO

Anonymous — Tue, 02 Feb 2010 23:05:36 GMT

For the life of me, I can't seem to get approved for any credit cards. I just ran the fico score and it showed me 788. Amex and Citi both declined me. Chase did too, but I finally could talk to someone who went ahead and approved it after seeing my report.

The reasons I get are really silly like too low credit limits or something. Amex tells me I have too many new and then closed accounts. We did flip a few amex cards last year to get the miles. We ran them up to the max, then closed them out.

So it's got to be some past behavior triggering a problem since I have zero debt, zero bad, etc... And amex bumped my one remaining card down to 2k credit limit.

Anyone have ideas of how to actually speak with someone at Citi about a denied app? Citi and amex both use experian so they are the problem children, but there is nothing bad to fix. Just opened and closed accounts.

Any ideas?

Thanks!

Re: Can't get Citi or Amex with 788 FICO

FocusOnFICO — Tue, 02 Feb 2010 23:09:14 GMT

Atom,

Welcome to the forums. There is a backdoor number listing available on the threadlist page or you can access via this link:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=136936

Re: Can't get Citi or Amex with 788 FICO

Cstl05 — Tue, 02 Feb 2010 23:19:38 GMT

if you dont mind me asking which amex number is the recon number?

Re: Can't get Citi or Amex with 788 FICO

Cotton_Britches — Tue, 02 Feb 2010 23:21:52 GMT

I applied for a second Citi card last week. They pulled EQ, not Experian.