myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Amex SP Denial

tag
Get Access Now
drewricomakeubu
Frequent Contributor
‎04-20-2023 06:16 AM
‎04-20-2023 06:16 AM

Amex SP Denial

Since I got my EX clean yesterday I couldn't shake the monkey off my back to try the SP at Amex. To my surprise I was immediately denied. 

They didn't include a reason in the letter they provided through email but did provide they looked at LexisNexis. Which I'm assuming there's still negative stuff on there. Just wondering if putting a security freeze on LexisNexis and Innovis and the likes would help. 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
Chase Ink Preferred $16,000
Capital One Savor $7,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 1 of 14
Reply
13 REPLIES 13
drewricomakeubu
Frequent Contributor
‎04-20-2023 07:07 AM
‎04-20-2023 07:07 AM

Re: Amex SP Denial

Alternative question, does Chase pull LexisNexis or any others? 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
Chase Ink Preferred $16,000
Capital One Savor $7,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 2 of 14
0 Kudos
Reply
drewricomakeubu
Frequent Contributor
‎04-20-2023 10:55 AM
‎04-20-2023 10:55 AM

Re: Amex SP Denial

Just to provide DPs

EX: 784

TU: 792 at time of app

Not sure what was on LexisNexis to scare them off but they didn't like what they saw I guess. In the process of freezing that.

Income: 45k

 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
Chase Ink Preferred $16,000
Capital One Savor $7,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 3 of 14
0 Kudos
Reply
fury1995
Valued Contributor
‎04-20-2023 07:52 PM
‎04-20-2023 07:52 PM

Re: Amex SP Denial

Amex pulls Lexis Nexis for limit increase requests? News to me.
August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 4 of 14
Reply
drewricomakeubu
Frequent Contributor
‎04-20-2023 07:59 PM
‎04-20-2023 07:59 PM

Re: Amex SP Denial

@fury1995 wrote:
Amex pulls Lexis Nexis for limit increase requests? News to me.

I don't know. I think I got denied due to my EX being cleaned up literally that day and I apped too quick. May try to SP again next week to see what they say. 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
Chase Ink Preferred $16,000
Capital One Savor $7,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 5 of 14
Reply
Creditwiser
Valued Contributor
‎04-20-2023 08:00 PM
‎04-20-2023 08:00 PM

Re: Amex SP Denial

@fury1995 wrote:
Amex pulls Lexis Nexis for limit increase requests? News to me.

I didn't think Lexis Nexis was even obtainable via SP Smiley Indifferent

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 13K | Cap1 QS 12.5K | Barclay MC 20k | Delta Gold Amex 38K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 8k |
Message 6 of 14
Reply
fury1995
Valued Contributor
‎04-20-2023 08:11 PM
‎04-20-2023 08:11 PM

Re: Amex SP Denial

@drewricomakeubu wrote:
@fury1995 wrote:
Amex pulls Lexis Nexis for limit increase requests? News to me.

I don't know. I think I got denied due to my EX being cleaned up literally that day and I apped too quick. May try to SP again next week to see what they say. 

Typically LN is the go to for public records such as garnishments, judgements, legal actions etc.. excluding bk's. Do you have any recent litigation?

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 7 of 14
0 Kudos
Reply
Chazzay12
Frequent Contributor
‎04-21-2023 03:23 AM
‎04-21-2023 03:23 AM

Re: Amex SP Denial

I have no idea about the Lexus thing.. 

 

But when I've applied for CLI with Amex they use my Ficos that are roughly a month old. It takes some time to update. 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt

Take the myFICO Fitness Challenge
Message 8 of 14
Reply
drewricomakeubu
Frequent Contributor
‎04-21-2023 01:42 PM
‎04-21-2023 01:42 PM

Re: Amex SP Denial

@Chazzay12 wrote:

I have no idea about the Lexus thing.. 

 

But when I've applied for CLI with Amex they use my Ficos that are roughly a month old. It takes some time to update. 

A month old? Interesting. I applied a day after my Experian was fixed with all my derogs removed and I got approved where as the night before I was instantly denied. Who knows 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800, Chase Ink Unlimited $12,500, American Express BCP: $12,000, Chase Sapphire Preferred $17,100, Blue Business Plus $10,000, Chase Ink Cash $12,00, Capital One Venture X $19,000, Amazon Prime Amex $9,000, Chase Freedom Unlimited $6,000, U.S. Bank Business Triple Cash Rewards $3,000, Amex Hilton Honors Business $17,500
Chase Ink Preferred $16,000
Capital One Savor $7,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 9 of 14
Reply
FireMedic1
Community Leader<br> Mega Contributor</br>
Community Leader
Mega Contributor
‎04-21-2023 03:19 PM
‎04-21-2023 03:19 PM

Re: Amex SP Denial

Im not a AMEX expert. Still a newb. But look for your FICO score update on your account online after AMEX does their update.


TWO MORE MONTHS NO BK! (on Eq/Ex)
Message 10 of 14
0 Kudos
Reply
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.