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Amex Recon HELP!!!!! Lol

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Anonymous
Not applicable

Amex Recon HELP!!!!! Lol

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 

6 REPLIES 6
Priory_Man
Valued Contributor

Re: Amex Recon HELP!!!!! Lol

If it was me I would probably wait a month and have another go if it does not come back as favorable. No harm though in sitting tight for a few days and then check the application online. Not sure if you have this link for checking but here it is just in case. https://www262.americanexpress.com/eaol/welcome.do
Wish you the best of luck, I hope it works out for you.






"Total revolving credit $286,000 Current UTIL >1%"
Message 2 of 7
Anonymous
Not applicable

Re: Amex Recon HELP!!!!! Lol

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.
Message 3 of 7
Pikaboo-icu
Valued Contributor

Re: Amex Recon HELP!!!!! Lol


@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!!

 

000welcome17.gif

 

Did you register yet? Cause it still says visitor..

Come on, you know you want to stick around and post with us..

 

kumbaya.gif

  


Message 4 of 7
Anonymous
Not applicable

Re: Amex Recon HELP!!!!! Lol

Hey how do I do that? lol 

 

Message 5 of 7
Pikaboo-icu
Valued Contributor

Re: Amex Recon HELP!!!!! Lol


@Anonymous wrote:

Hey how do I do that? lol 

 


Oh my, it's been a long time..

Try the upper right of the page, if you see my account or log in/register etc...

  


Message 6 of 7
_NERD
Established Contributor

Re: Amex Recon HELP!!!!! 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. 


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Message 7 of 7
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