After disputing (and removing) an item off my report, the CRA's have a fraud alert on my reports. Not so bad until you'd like to app a few times before leaving the country for a few months. I applied for both the Chase CSR and the Amex Gold. Both gave me the 30 day decision and I called both immediately. Both want address verifications. I was SUCH a fool when allowing Amex to call my bank as I remembered I hadn’t updated my address since we bought the new house. Verification obviously failed and they asked for a letterhead. Thankfully my bank was more than happy to give it to me and even fax it for me. If you’re in the south, get a BBVA account. They rock. Funny thing about that—he didn’t even check my ID so I could have been anyone. So foolproof, eh, Amex? Later on I called Chase to go through the whole process again. With them though, they asked that I go into a branch. I will update as I go along. Both have stated that the app is approved if the address can be verified. I leave on the 29th for 3 months which would negate any bonus sign up points if they can’t get me the cards on time. Crossing my fingers!
For some data points, Amex pulled TU; 680. Chase pulled Experian; 690 (both are FICO 8 scores; high UTL right now as we’re remodeling but always PIF). I am an AU on accounts already (3 Amex, 2 Chase) with big spends/limits for both. Not sure if that helped. My TU went up 4 points for the inquiry! So strange!
Verified myself at the Chase branch and CSP approved! 16k starting CL (I was hoping for a 5k line as my highest personal CL is $4k) which is insane because I started with high 500s/low 600s not even a year ago when CapitalOne took a chance and gave me a QS One. I learned a TON from this forum and wouldn't have ever been able to accomplish what I have without it.
Congrats, I hope they both arrive in time.