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So I got AMEX letter explaining why I got denied for the BCP.. They pulled my TU FICO and its just too low at 649...
You live in California?
Your EX report frozen?
did they double pull? and tu was the deciding factor?
they triple pulled me for my zync.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Please let us know if they pulled your EX as well.
@youngandcreditwrthy wrote:
Well, they pulled all three for me, but approval was based on TU. I don't even really think my 696 TU FICO was higher than my others at all. My exp would have been highest.
@Very similar situation. Verified triple-pull, landed on TU @ 680. I see it as trading INQ's for a backdated TL.
They pulled all 3 for me and I was still declined. My TU score was 707 - I have a lot of inq's on TU ( 6 GE Cards last year) and if they were 'trying' to approve me I'm sure that was the death nail.
Guess I was hoping the EXP would be good enough but I will wait until the fall and try them again.
Nope, they just pulled TU and said the score was too low