Amex recon

[Anonymous]

May I also get the letter please. Dv

[sjt]

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@Anonymous wrote:
May I also get the letter please. Dv

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Sent

[Anonymous]

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@Anonymous wrote:

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!

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I think your score is too low. What's holding your score down? Do you have baddies?

Although I wish you luck. I think the decline will remain a decline.

[sjt]

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@Anonymous wrote:

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@Anonymous wrote:

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!

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I think your score is too low. What's holding your score down? Do you have baddies?

Although I wish you luck. I think the decline will remain a decline.

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Amex has their own internal scoring system that looks beyond a score. They also make counter offers, ie rebuilder cards. 

[Anonymous]

The OP's score is too low. They declined the OP. No counter offer when applied, went right to decline. It's going to stay a decline.

OP, any baddies? What's holding down your score?

[GSP_1]

sjt

May I get a copy of the recon letter?

[Anonymous]

You're better calling than sending a letter.

[Anonymous]

Is it weird? If I feel bad I didn't ask for a copy of that recon letter? OmG🙃!!!

[Anonymous]

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@Anonymous wrote:
The OP's score is too low. They declined the OP. No counter offer when applied, went right to decline. It's going to stay a decline.

OP, any baddies? What's holding down your score?

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You're correct, recon was unsuccessful.

I do have have some negatives. I have a few charge offs (all 2-3 years old or older), an unpaid collection (about 3 years old, hasn't been updated in close to a year, so I'm afraid that if I pay it or make an offer, they'll update it and drop my score even more), a paid collection (also about 3 years old, just paid it off in full about 4 months ago, and doing so dropped my score by ~15 points), and two 30 day late pays from over 2 years ago. I have about 7-12, inquiries, AAoA 2.5 years (oldest are 12 years and 10 years old), utilization fluctuates month to month, but is always below 30%; typically between 10-25%.

Someday I'll get in with Amex... 

[Anonymous]

Work on cleaning up your reports. I have been where you are but far far worse.

You can do it and yes you will obtain an AMEX.