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727 EXPERIAN SCORE DENIED ON AMEX

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Valued Member

727 EXPERIAN SCORE DENIED ON AMEX

I have 2 capital one and discover i have 689 fico score with 727 EX was denied on amex. **bleep**

FlipDC
Starting Score: 638 fico eq 7/11
Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661
2013 Score: EX 654, EQ 610, TU 625
Goal Score: 740 1/14
In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Message 1 of 23
22 REPLIES 22
Regular Contributor

Re: 727 EXPERIAN SCORE DENIED ON AMEX

What's your history?

Do you have any baddies?

Have you declared BK on Amex in the past?

What was the reasons?

Message 2 of 23
Moderator Emerita

Re: 727 EXPERIAN SCORE DENIED ON AMEX


@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! Smiley Happy

 

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.

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Message 3 of 23
Valued Member

Re: 727 EXPERIAN SCORE DENIED ON AMEX

one AU for the past 3years and this cap one and discover is month old. had bad credit in the past but now cleaned. 2 inquiry on EX which the CB they used to pull most of the time. they send me special offer foe delta sky but was denied again today. im waiting for the mail to come to find out their reasons.

FlipDC
Starting Score: 638 fico eq 7/11
Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661
2013 Score: EX 654, EQ 610, TU 625
Goal Score: 740 1/14
In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Message 4 of 23
Valued Member

Re: 727 EXPERIAN SCORE DENIED ON AMEX

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...

FlipDC
Starting Score: 638 fico eq 7/11
Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661
2013 Score: EX 654, EQ 610, TU 625
Goal Score: 740 1/14
In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Message 5 of 23
Moderator Emerita

Re: 727 EXPERIAN SCORE DENIED ON AMEX


@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. Smiley Mad

 

Sorry about the denial. Smiley Sad

 

 

edit: cna't splel

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 6 of 23
Epic Contributor

Re: 727 EXPERIAN SCORE DENIED ON AMEX

I would suggest starting with a charge card with Amex, and then in 6 months of history you could go back and apply for credit card product... I saw a 700 something for EX and then Fico for 650? did a lender give you a Fico of 650 on EX? that would be on the low end for Amex... possibly okay for a charge card if you don't have baddies.

Message 7 of 23
Contributor

Re: 727 EXPERIAN SCORE DENIED ON AMEX

I think you need FIco in 700, where did you get your ex FIco? Because you can only get those generally from a lender
Message 8 of 23
Valued Member

Re: 727 EXPERIAN SCORE DENIED ON AMEX

When i got the welcome letter from Discover last week. with the new law they have to tell you the factors on why it was approved / or denied. the letter has the FICO score of 689. Then i signed uo with the score tracker thru discover for 9.99 to pull all my credit score from all 3 bureu. I have 727  EX,  708 EQ and 708 TU. I went to creditboard.com to see what credit bureu they used to pull your credit history which majority of them is Experian, so i saw all this post which lead me to believed that i will get approved after seeing the others getting approved with lower score under 700.

FlipDC
Starting Score: 638 fico eq 7/11
Current Score: 648 fico eq 8/12, 686 fico tu 8/12. 1/13 TU 661
2013 Score: EX 654, EQ 610, TU 625
Goal Score: 740 1/14
In my Wallet: Discover more 4k,Citi plat 5k,Citi simplicity 3k,Citi diamond 1k,Cap1 cash 750/2500,Cap1 plat 750/2500,Kanes Furn, Walmart 900/2200, Macys 600.
Message 9 of 23
Contributor

Re: 727 EXPERIAN SCORE DENIED ON AMEX


@flipdc wrote:

When i got the welcome letter from Discover last week. with the new law they have to tell you the factors on why it was approved / or denied. the letter has the FICO score of 689. Then i signed uo with the score tracker thru discover for 9.99 to pull all my credit score from all 3 bureu. I have 727  EX,  708 EQ and 708 TU. I went to creditboard.com to see what credit bureu they used to pull your credit history which majority of them is Experian, so i saw all this post which lead me to believed that i will get approved after seeing the others getting approved with lower score under 700.



I believe the discover score tracter is a PLUS score not FICO.

Message 10 of 23
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