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AMEX application denied. No hard hit?

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Frequent Contributor

Re: AMEX application denied. No hard hit?


@Tony7497 wrote:

Might depend on her income. I remember a few months back I applied for a Cap 1 Venture and was instant declined. I was sure I would get triple pulled and that would be a wasted attempt. But when I called in that day to see why I was denied they stated it was due to insufficient income and didn't even pull a report...


Interesting, mind sharing income for a data point? Or at least was it under 50k?

EQ 767 | TU 781 | EX 779
Gardening since 03/2015
Message 11 of 21
Frequent Contributor

Re: AMEX application denied. No hard hit?

Yeah sure it was 13k. I'm a college kid so don't laugh too much haha.



EX FiCO 8 as of 12/21/2015: 738
Message 12 of 21
Super Contributor

Re: AMEX application denied. No hard hit?

no one laughs at income.
i am on mobile so i don't see your desktop signatures
Message 13 of 21
Established Member

Re: AMEX application denied. No hard hit?

still waiting on the letter, she did get a HP from EX, checked credit.com

 

Cant be her income, she does have a hefty student loan from law school days, maybe that plays a role?

Message 14 of 21
Contributor

Re: AMEX application denied. No hard hit?

Could be utilization. I was denied this Sept with over utilization at 5% and only 2 cards with balances. One at ~50% and the other at ~ 70% and fico8 core was 705. Then late last month had 3% uti with two showing and one at ~25% and the other at ~50% and score jumped to 739 and they approved.

Ex: 722 (2/18/2016) Tu: 766 (2/18/2016) Eq: 744 (2/18/2016) Goal --> 800+ Club
Message 15 of 21
Valued Member

Re: AMEX application denied. No hard hit?

lol, ck isn't any sort of accurate barometer on credit inquiries, you'd have better luck calling experian directly.

Capital One QuickSilver $11.7K| Chase Sapphire Preferred $10K| Chase Freedom Unlimited $4.2K| AMEX BCE $14K| Discover IT $12.7K| Barclays CashForward $10.1K| Wells Fargo Platinum $1K| AMEX Plat $Unlimited| Barcays Arrival + $11.1K| Amex Delta Gold $11k| Amex Blue Business $12K| Chase Ink Cash $9k
Message 16 of 21
Highlighted
Senior Contributor

Re: AMEX application denied. No hard hit?


@Hoochzilla wrote:

lol, ck isn't any sort of accurate barometer on credit inquiries, you'd have better luck calling experian directly.


CK is perfectly accurate for the two CRA's it provides.

Message 17 of 21
Valued Member

Re: AMEX application denied. No hard hit?


@CAPTOOL wrote:

@Hoochzilla wrote:

lol, ck isn't any sort of accurate barometer on credit inquiries, you'd have better luck calling experian directly.


CK is perfectly accurate for the two CRA's it provides.


If you say so pal.

Capital One QuickSilver $11.7K| Chase Sapphire Preferred $10K| Chase Freedom Unlimited $4.2K| AMEX BCE $14K| Discover IT $12.7K| Barclays CashForward $10.1K| Wells Fargo Platinum $1K| AMEX Plat $Unlimited| Barcays Arrival + $11.1K| Amex Delta Gold $11k| Amex Blue Business $12K| Chase Ink Cash $9k
Message 18 of 21
Super Contributor

Re: AMEX application denied. No hard hit?

it shows my credit inquiries accurately....
i am on mobile so i don't see your desktop signatures
Message 19 of 21
Moderator Emeritus

Re: AMEX application denied. No hard hit?


@tmann1009 wrote:
I applied as well and I got hit for TU and EQ. Maybe because my history is fairly new. She isn't an existing member.

Anyplace I can check experian report without paying?

If DW was denied based on EX information, then you have a right to request a free copy of the CR.   Go to the EX website to get this.   



Start: 619 (TU08, 9/2013) | Current: 812 (TU08, 10/08/19)
AMEX Cash Magnet $44000 | BofA BBR #1 $43900 | Discover IT $39000 | Uber VS $37000 | BoA BBR #2 $31100 | cashRewards VS $25000 | Sam's Club MC $25000 | Macy's AMEX $25000 Store $25000 | Care Credit MC $25000 | Cash+ VS #1 $18500 | Cap 1 QS WMC $17250 | Cash+ VS #2 $15500 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | Target MC $11000 | Amazon VS $10000 | Marvel MC $10000 | Disney VS $8800 | Blispay $7500 | Sony Card $4250 | PPC $4000 ~~Gardening Since 4/1/18
Message 20 of 21
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