@flipdc wrote:I have 2 capital one and discover i have 689 fico score with 727 EX was denied on amex. **bleep**
Hi flipdc, and welcome! 
One very important aspect of obtaining credit is that score isn't everything. The actual contents of your credit reports-- offering a more indepth profile of you as a credit user, is just as, if not more, important than your score. American Express uses their own internal scoring formula, anyway. It's based upon the contents of your credit reports (and legend has it that your actual FICO score carries some degree of weight as well).
You noted in another post that you've acquired 3 or 4 cards (2 Cap1s, Discover, and Target(?)) since May of this year. You're probably going to have to let those cards get some age behind them-- perhaps hit 1 year, before going after Amex again. Don't worry! Once the new wears off of your accounts, you should be golden. Just sit back, let everything age, don't go on any crazy app sprees, and you'll be in before you know it.
@flipdc wrote:thanks for the tip... i know its been crazy for me teying to figure out ways to improved my credit on a snapshot...i should just let go and let this history build and apply again when i have some more concrete credit history...
Where'd you get your EX score? Unless you got it from a lender or maybe PSECU, it's not an Experian FICO score, and there's no telling what your EX FICO is. As others said, it's more than scores, but even then, it's tough when very few of us are allowed to find out our EX FICO's. 
Sorry about the denial. 
edit: cna't splel
