AMEX application denied. No hard hit?

[Anonymous]

---

@Anonymous 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?

[Anonymous]

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

[Anonymous]

no one laughs at income.

[Anonymous]

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?

[Anonymous]

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.

[Anonymous]

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

[Anonymous]

---

@Anonymous 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.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous 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.

[Anonymous]

it shows my credit inquiries accurately....

[SunriseEarth]

---

@Anonymous 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.