Ok I got the baddies off my EX report with exeption of 1 late pay. I had about 7 inquiries starting my spree, 14% util. I currently have Amex BCE 15K, BOA 3K, Chase Ritz 10K and Hyatt 5K, Venture One 2.2K and USAA secured 250.00.
So my EX score is 704 and I applied for the Amex Delta Skymiles and declined because they use my credit report from 7/15 which had the baddies but I applied yesterday and my report has changed.
BOA declined, waiting for tomorrow to call.
Citi Premier declined, too many inquiries.
Chase IHG 30 day email and robo lady saying 7 to 10 days. Have fraud alert on my report so Im thinking of calling verification tomorrow.
Any advice would be appreciated.
No I did not get a HP for Amex but I did call and the rep said he would make a note for them to do a new HP.
Ok, i dont know if it would be better that once you see your Ex score updated on Amex, id just hit the app again. If still nothing and no hp then call and see if they can hp