Amex recon

[Anonymous]

Hey y'all. Just a quick question. A couple of weeks ago, I tried the Amex prequal thing on their website. It returned two 'pre qualified' offers. I applied for one, and was denied; it said the denial was based on my Fico score of 631. I've heard of others on here being approved with similar or lower scores, so I decided to call them and see if they'd reconsider. 

Well, I caled this evening. The CSR I spoke to (very difficult to understand, due to his less than adequate command of the English language) said he'd submit my application for manual review, and that I'd get a phone call, email, or letter within 10 days with a decision. Is that how recons usually work? I've never tried to get a denial reversed before, so I don't know the process. Thanks!

[Creditplz]

With Amex that is how it usually works, I was denied with a 771, for not spending enough on air travel when I applied for a hotel card...

Good luck with your recon!

[Anonymous]

Thanks Creditplz! Well, if they denied you with that score, I'm thinking I don't stand a chance!

[Creditplz]

Score although it has a major role in approval/denial decisions isn't all they look at, I hope you get approved! Update us when you get a update.

[sjt]

Amex is getting better with recons.

I would wait for the letter and then call for a recon. If its still denied then write a letter and request a recon. Alot of people have been successful with written recons.

[Anonymous]

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@sjt wrote:

Amex is getting better with recons.

I would wait for the letter and then call for a recon. If its still denied then write a letter and request a recon. Alot of people have been successful with written recons.

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When you say letter, do you mean an actual snail mail letter, or an email letter?

[sjt]

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@Anonymous wrote:

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@sjt wrote:

Amex is getting better with recons.

I would wait for the letter and then call for a recon. If its still denied then write a letter and request a recon. Alot of people have been successful with written recons.

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When you say letter, do you mean an actual snail mail letter, or an email letter?

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@Anonymous. Write a letter and sent it to the address listed on the denial letter. The letter should address each reason for the denial. @Anonymous did this and was approved. I have a sample letter I can PM you.

[Anonymous]

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@sjt wrote:

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@Anonymous wrote:

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@sjt wrote:

Amex is getting better with recons.

I would wait for the letter and then call for a recon. If its still denied then write a letter and request a recon. Alot of people have been successful with written recons.

---

When you say letter, do you mean an actual snail mail letter, or an email letter?

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@Anonymous. Write a letter and sent it to the address listed on the denial letter. The letter should address each reason for the denial. @Anonymous did this and was approved. I have a sample letter I can PM you.

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That would be awesome, if it isn't too much trouble!

[Anonymous]

@sjt... Could I please get a PM sample of your recon letter? Thanks so much in advance - appreciate it

[sjt]

Sent PM