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Experian 640 to 728 over night

MEKWT
Frequent Contributor

Experian 640 to 728 over night

So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

 

 

Need advice

Staring Score: EQ 597 TU 617 EX 566 (01/22/2016)Current Score: EQ 667 TU 701 EX 744 (05/26/2016)
Message 1 of 34
33 REPLIES 33
SouthJamaica
Super Contributor

Re: Experian 640 to 728 over night


@MEKWT wrote:

So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

 

 

Need advice


No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

 

(BTW.... congratulations Smiley Happy)


Total revolving limits 653000 (575000 reporting) FICO 8: EQ 716 TU 747 EX 715

Message 2 of 34
MEKWT
Frequent Contributor

Re: Experian 640 to 728 over night


@SouthJamaica wrote:

@MEKWT wrote:

So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

 

 

Need advice


No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

 

(BTW.... congratulations Smiley Happy)


Thank you, WHich AMEX cards should I apply for? I am really not caring about signup bonuses, just wanting an in with AMEX.

Staring Score: EQ 597 TU 617 EX 566 (01/22/2016)Current Score: EQ 667 TU 701 EX 744 (05/26/2016)
Message 3 of 34
MEKWT
Frequent Contributor

Re: Experian 640 to 728 over night

I apped for the BCP and was instantly denied. I guess I will wait to see whats on the letter or should I call?

Staring Score: EQ 597 TU 617 EX 566 (01/22/2016)Current Score: EQ 667 TU 701 EX 744 (05/26/2016)
Message 4 of 34
jrenae4
Frequent Contributor

Re: Experian 640 to 728 over night

Ugh that sucks. I was just approved for the BCE. I don't know much about recon with them. Hopefully someone chimes in soon. (FWIW, I did have pre-qual offers)


FICO 8 August 2016 TU: 720/ EQ: 697/ EX: 705 Gardening Until 2017
Message 5 of 34
jcs426
New Contributor

Re: Experian 640 to 728 over night

Awesome news, thats the kind of boost I am hoping for. 

BoA Alaska Airlines VIsa Sig: 7K
Chase United Explorer Visa Sig: 5K
Cap1 Platinum Visa: 5.3K

Starting Scores (5/15): EQ 545, TU 542, EX 538
Current Scores (6/16): EQ 672, TU 687, EX 669
Message 6 of 34
MEKWT
Frequent Contributor

Re: Experian 640 to 728 over night


@jrenae4 wrote:

Ugh that sucks. I was just approved for the BCE. I don't know much about recon with them. Hopefully someone chimes in soon. (FWIW, I did have pre-qual offers)


Yes very much so. I called the CSR team in India and requested a reconsideration. The online status has changed to "in progress", so lets hope for the best but expect the worst. I suspect this decision was based on my CR from March. 

Staring Score: EQ 597 TU 617 EX 566 (01/22/2016)Current Score: EQ 667 TU 701 EX 744 (05/26/2016)
Message 7 of 34
MEKWT
Frequent Contributor

Re: Experian 640 to 728 over night


@jcs426 wrote:

Awesome news, thats the kind of boost I am hoping for. 


Yea it felt great to wake up to this great news. I cant wait for TU and EQ to update. I suspect I will be over 750 on TU and maybe 740 on EQ if I get the same results as I got with EX.

Staring Score: EQ 597 TU 617 EX 566 (01/22/2016)Current Score: EQ 667 TU 701 EX 744 (05/26/2016)
Message 8 of 34
jrenae4
Frequent Contributor

Re: Experian 640 to 728 over night


@MEKWT wrote:

@jrenae4 wrote:

Ugh that sucks. I was just approved for the BCE. I don't know much about recon with them. Hopefully someone chimes in soon. (FWIW, I did have pre-qual offers)


Yes very much so. I called the CSR team in India and requested a reconsideration. The online status has changed to "in progress", so lets hope for the best but expect the worst. I suspect this decision was based on my CR from March. 


I'm wishing you the best of luck! 


FICO 8 August 2016 TU: 720/ EQ: 697/ EX: 705 Gardening Until 2017
Message 9 of 34
Loquat
Moderator

Re: Experian 640 to 728 over night


@MEKWT wrote:

@SouthJamaica wrote:

@MEKWT wrote:

So I woke up this morning to Experian notifying me that my only baddie that was PIF was deleted by DFAS from my CR. I immedietly went to AMEX prequal site and got nothing. Its the only bankcard I want until 2017 as I have BofA, Discover, Cap1. Should I wait for an AMEX prequal? My AAoA is 18 months due to the old chargeoff being deleted. Have a completely clean report with 7 student loans reporting plus 2 cap1 cards, Discover, BofA and a LOC from PENFED (not using).

 

 

Need advice


No you shouldn't wait for a prequalification to show up from Amex, it may take months. When you apply they'll get your current EX score.

 

(BTW.... congratulations Smiley Happy)


Thank you, WHich AMEX cards should I apply for? I am really not caring about signup bonuses, just wanting an in with AMEX.


I would have suggested the Delta Sky Miles as it seems to be the one I see the most here on the forum as far as easier underwriting standards.  Best of luck in your recon and please do post the results.  

Message 10 of 34
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