Submitted app for BCE on 3/24. Instant denial with 747 EX score. Denied due to too many inqs which is funny because the majority of them are from my mortgage in Oct. Ask for recon last week had someone call me today from the Amex Fraud Protection Dept. verifiying that I submitted the application which is funny beacuse I had a fraud alert on my credit report due to ID Theft but I was instant denied. Application still says in progress on website. Is this a good sign?
No idea with them to be honest hopefully someone else can chime in but Amex no love me LOLOL. But if the only denying factor was Fraud Concern I think they should approve it but YMMV
@Anonymous wrote:
@Harvey26 wrote:Submitted app for BCE on 3/24. Instant denial with 747 EX score. Denied due to too many inqs which is funny because the majority of them are from my mortgage in Oct. Ask for recon last week had someone call me today from the Amex Fraud Protection Dept. verifiying that I submitted the application which is funny beacuse I had a fraud alert on my credit report due to ID Theft but I was instant denied. Application still says in progress on website. Is this a good sign?
Just curious, how many inquiries did you have which they deemed too many?
Its less than 6 the remaining are not scoreable.
@Anonymous wrote:
@Harvey26 wrote:Submitted app for BCE on 3/24. Instant denial with 747 EX score. Denied due to too many inqs which is funny because the majority of them are from my mortgage in Oct. Ask for recon last week had someone call me today from the Amex Fraud Protection Dept. verifiying that I submitted the application which is funny beacuse I had a fraud alert on my credit report due to ID Theft but I was instant denied. Application still says in progress on website. Is this a good sign?
Just curious, how many inquiries did you have which they deemed too many?
UPDATE: I HAD TO SEND IN A 4506-T AND ALSO DO BANK VERIFCATION VIA PHONE VERIFYING MY NAME ADDRESS AND IF THE ACCOUNT HAS BEEN OPEN MORE THAN 60 DAYS. WAITING ON 4506-T TO BE PROCESSED. WILL UPDATE ONCE THAT IS PROCESSED.
@HeavenOhio wrote:
@Harvey26 wrote:
@Anonymous wrote:
@Harvey26 wrote:Submitted app for BCE on 3/24. Instant denial with 747 EX score. Denied due to too many inqs which is funny because the majority of them are from my mortgage in Oct. Ask for recon last week had someone call me today from the Amex Fraud Protection Dept. verifiying that I submitted the application which is funny beacuse I had a fraud alert on my credit report due to ID Theft but I was instant denied. Application still says in progress on website. Is this a good sign?
Just curious, how many inquiries did you have which they deemed too many?
Its less than 6 the remaining are not scoreable.
Do you have an unusually high amount of unscorable inquiries? While FICO ignores them, there's no requirement that lenders ignore them. It's unusual that they matter, though.
Update: They sent my form to irs on 04/23. Still hadnt receieved my tax transcripts as of yesterday.
