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Amex SP Denial

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drewricomakeubu
Frequent Contributor

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 $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 1 of 14
13 REPLIES 13
drewricomakeubu
Frequent Contributor

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 $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 2 of 14
drewricomakeubu
Frequent Contributor

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 $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 3 of 14
fury1995
Valued Contributor

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
drewricomakeubu
Frequent Contributor

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 $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 5 of 14
Creditwiser
Valued Contributor

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 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k | 1 months until BK7 disappears |
( EE from TU & EX )
Message 6 of 14
fury1995
Valued Contributor

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
Chazzay12
Frequent Contributor

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 $6000 | Chase FU $3200 | Amex Green NPSL | CSP $6000 | Discover it 3k
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2023: EX 692, TU 691, EQ 693
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 8 of 14
drewricomakeubu
Frequent Contributor

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 $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 9 of 14
FireMedic1
Community Leader
Mega Contributor

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.


Message 10 of 14
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