topic Re: Amex Denial Question in Credit Cards

Amex Denial Question

remarc — Mon, 28 May 2012 07:12:19 GMT

I recently applied for my wife a Discover Card.. Approved with $1900 CL.. She is super happy

so .. We tried Amex.. They denied her with the reason, her score was too low.. Her scores are

Eq: 749

TU. 686

EX: 657

They didn't say which score they pulled.. My question is.. Do you think its worth calling recon? Based just on the score.. No other issues?

Re: Amex Denial Question

Anonymous — Mon, 28 May 2012 07:14:23 GMT

It depends on where you received those scores and yes I think it would be worth the call.

Re: Amex Denial Question

CreditPacMan — Mon, 28 May 2012 07:31:52 GMT

I have no idea how AMEX decides which application to approve. A year ago my score was in the lower 600's .. When I applied this month my EX score was 689 and I got approved for the BCE and Green.

Re: Amex Denial Question

n777ua — Mon, 28 May 2012 07:32:34 GMT

Its always worth the call

Re: Amex Denial Question

Anonymous — Mon, 28 May 2012 08:25:42 GMT

amex doesnt do recons. they pull experian so with your denial letter you will get your score and the reasons for denial. if their reasons for denial are accurate then there is nothing to recon. ive seen this many times

Re: Amex Denial Question

n777ua — Mon, 28 May 2012 09:07:09 GMT

@Anonymous wrote:
amex doesnt do recons. they pull experian so with your denial letter you will get your score and the reasons for denial. if their reasons for denial are accurate then there is nothing to recon. ive seen this many times

I'm not sure this is accurate, I got my BCE through a recon

Re: Amex Denial Question

Anonymous — Mon, 28 May 2012 09:13:25 GMT

@n777ua wrote:
@Anonymous wrote:
amex doesnt do recons. they pull experian so with your denial letter you will get your score and the reasons for denial. if their reasons for denial are accurate then there is nothing to recon. ive seen this many times
I'm not sure this is accurate, I got my BCE through a recon

explain your recon please. if the denial reasons are accurate they wont recon the reasons unless they are inaccurate. for example the op stated that the reason for denial was low score now if this is true then there is nothing to recon. they arent like chase or barclays

Re: Amex Denial Question

marty56 — Mon, 28 May 2012 10:45:53 GMT

Could they denial have been as result of blacklist/internal score use?

I will also assume the scores you posted for her are FICO scores.

Re: Amex Denial Question

n777ua — Mon, 28 May 2012 13:50:56 GMT

@Anonymous wrote:
@n777ua wrote:
@Anonymous wrote:
amex doesnt do recons. they pull experian so with your denial letter you will get your score and the reasons for denial. if their reasons for denial are accurate then there is nothing to recon. ive seen this many times
I'm not sure this is accurate, I got my BCE through a recon
explain your recon please. if the denial reasons are accurate they wont recon the reasons unless they are inaccurate. for example the op stated that the reason for denial was low score now if this is true then there is nothing to recon. they arent like chase or barclays

I didn't think their scores were accurate nor were their UTIL %'s. I pulled all three myself and send to Amex, after which they issued me a BCE. And if I had read your post a bit more closely, this would be an accuracy issue and not a real "recon". Cheers

Re: Amex Denial Question

kevinjjc — Mon, 28 May 2012 14:27:36 GMT

I know American Express always pulls EX, and also EQ & TU if borderline.