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Denial Reason

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Beulaensarangdi
Established Member

Denial Reason

With American Express allowing you to "apply" and see your chances without having to take a hard pull, unless you accept - I decided to give it a go.
I have applied before and been denied due to mainly my FICO being to low, which I expected - and took a hard pull for my troubles.  But that's neither here nor there and I digress.

Tried the gold Delta card - was denied, which I wasn't to surprised by, but the reason struck me as strange.  I know that there are a multitude of reasons a company can put as "the reason", but I've never seen this one or had this as one. 

And for context - I am not participating in anything of this nature.  Now I admit, that I am in the forbearance or whatever for student loans, like a lot of people are, but the reason never came up when I applied previously.  But I don't think it's listed as deffered or whatever on the reports themselves, unless I am mistaken.
I even looked at my Experian report via the free annual report and on their site and it shows nothing that would be considered what Amex said they "saw".  I am paying my bills when due, paying more during the month, etc and am in the middle of getting down  utilization across my few cards - it's still not ideal, but way lower than it had been.

Any insights as to what this means, besides the literal meaning Smiley Happy, just a bit of curiosity on my end as y'all have a lot more experience with everything than I do Smiley Happy - see below

Thank you for applying for Delta SkyMiles® Platinum American Express Card. We are writing to let you know that unfortunately, we cannot approve your application at this time for the following reasons:

 

Information received from Experian consumer reporting agency (see below)

 

The factors provided by the consumer reporting agency that affected our decision are:

 

You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans.

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1 REPLY 1
SouthJamaica
Mega Contributor

Re: Denial Reason


@Beulaensarangdi wrote:

With American Express allowing you to "apply" and see your chances without having to take a hard pull, unless you accept - I decided to give it a go.
I have applied before and been denied due to mainly my FICO being to low, which I expected - and took a hard pull for my troubles.  But that's neither here nor there and I digress.

Tried the gold Delta card - was denied, which I wasn't to surprised by, but the reason struck me as strange.  I know that there are a multitude of reasons a company can put as "the reason", but I've never seen this one or had this as one. 

And for context - I am not participating in anything of this nature.  Now I admit, that I am in the forbearance or whatever for student loans, like a lot of people are, but the reason never came up when I applied previously.  But I don't think it's listed as deffered or whatever on the reports themselves, unless I am mistaken.
I even looked at my Experian report via the free annual report and on their site and it shows nothing that would be considered what Amex said they "saw".  I am paying my bills when due, paying more during the month, etc and am in the middle of getting down  utilization across my few cards - it's still not ideal, but way lower than it had been.

Any insights as to what this means, besides the literal meaning Smiley Happy, just a bit of curiosity on my end as y'all have a lot more experience with everything than I do Smiley Happy - see below

Thank you for applying for Delta SkyMiles® Platinum American Express Card. We are writing to let you know that unfortunately, we cannot approve your application at this time for the following reasons:

 

Information received from Experian consumer reporting agency (see below)

 

The factors provided by the consumer reporting agency that affected our decision are:

 

You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans.


They're not thinking straight. The deferral is not one you sought, it was one that was granted across the board. I think if you really want the card you should recon.  You might also want to check how the student loan deferral is being reported in your credit report.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

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