AMEX PRG Recon!!

[Gneuroth]

I was approved for the Delta gold yesterday, but was denied for the PRG, but i noticed that they pulled an old experian report. my old report said I was using 61% of my credit and my score was 672. My current report says 35% and my score is 693, do you guys think I have a shot at getting the PRG? other stats are 2.4 aaoa, perfect payment history, 13inqs. Its going in manual review right now.

[myjourney]

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@Gneuroth wrote:

I was approved for the Delta gold yesterday, but was denied for the PRG, but i noticed that they pulled an old experian report. my old report said I was using 61% of my credit and my score was 672. My current report says 35% and my score is 693, do you guys think I have a shot at getting the PRG? other stats are 2.4 aaoa, perfect payment history, 13inqs. Its going in manual review right now.

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Explain 

[Gneuroth]

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@myjourney wrote:

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@Gneuroth wrote:

I was approved for the Delta gold yesterday, but was denied for the PRG, but i noticed that they pulled an old experian report. my old report said I was using 61% of my credit and my score was 672. My current report says 35% and my score is 693, do you guys think I have a shot at getting the PRG? other stats are 2.4 aaoa, perfect payment history, 13inqs. Its going in manual review right now.

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Explain 

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The app is being reviewed manually right now, yesterday was instant decline.

[Anonymous]

With a perfect payment history, what's causing your 693 score?

[myjourney]

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@Gneuroth wrote:

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@myjourney wrote:

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@Gneuroth wrote:

I was approved for the Delta gold yesterday, but was denied for the PRG, but i noticed that they pulled an old experian report. my old report said I was using 61% of my credit and my score was 672. My current report says 35% and my score is 693, do you guys think I have a shot at getting the PRG? other stats are 2.4 aaoa, perfect payment history, 13inqs. Its going in manual review right now.

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Explain 

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The app is being reviewed manually right now, yesterday was instant decline.

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Oh so it's already in recon which means they'll pull a new report...as long as this was the only reason for denial and your CR's have updated you stand a chance but 35% is still rather high 

I'll be pulling for you

[Gneuroth]

2 new revolving accounts, and an auto loan from september. And my score is rebounding from high utilization. Score went up 40 plus points in a month.