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Hello guys! I just applied for the Amex gold card today. Was instant decline with Fico score at 667. I know they use a soft pull at first but it is not acurate. My real FICO 8 is 742 since my last medical collection finally fell off my Experian report about a week ago. I called recon and they said they would review. The app says in progress right now. I have a BCE that was opened in oct. beyond that I have very low uti last was 0 with only 23 bucks on a disco card. I do have 16 HP with 3 about to fall off but some came from rate shopping for a car a while ago. With this collection off, my Experian is clean of any derogs. Will they pull it and truly recon? Should I just let it go in apply in a month or so when the Fico on their website update? DO I HAVE A CHANCE??? Nervous 😬
Current credit Disco IT 2000 Disco Chrome 2300 Amex BCE 1000 Capital One QS 1350 Wells fargo 2000 USAA Secured 300
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@Anonymous wrote:
Thanks for the reply. Yea I think that’s the best. I just hope I can eventually get it. I do understand I’m still pretty new to them so that may also be a reason. Thanks for the link as well. This site is pretty cool I’ve been reading posts for a few months for info but never joined.
Welcome to My Fico!!
Did you register yet? Cause it still says visitor..
Come on, you know you want to stick around and post with us..
Hey how do I do that? lol
@Priory_Man wrote:
https://www262.americanexpress.com/eaol/welcome.do
This link is spiffy. Thanks! Does US Bank have one?
Edit: got it. I found a site that lists the URLs for app status at lots of banks.