UPDATE 7/17/2013***
Sorry I disappeared for awhile there. I got tired of micromanaging my credit so I deleted all the apps of my phone and let it go. My last application for AMEX was on 4/22 so last thursday I decided to give the BCE another shot. I applied as a member and got the pending message and called the backdoor number. The woman asked me some questions and then put me on hold. She came back and said I was approved for the BCE with
A 6K LIMIT
I don't really think the letter helped. I had one inquiry fall off in the time since my last app on 4/22. I really don't understand AMEX but oh well I finally got approved. Also I do have PRG with them and hardly ever used it before anyone asks.
@Anonymous wrote:
Soooo I'm in a similar situation and received a letter from Robert Garinger as well. I decided to email him and here is what I plan on sending him. I could easily not send it and just wait 8-12 months to reapply but I thought an email would be worth a try. I'm happy to hear your opinion and whether or not u think I should send it. Let me know!
"Hi Robert,
My name is Art Vandalay. I recently received a letter from you (or your office) confirming that my application for a Blue Cash Everyday Card was denied. For ease of access, I've included the reference number in the subject line however I will include it here in the body of this email as well. It is Ref # 123456789.
When I called American Express a week and a half ago to check on the status of the card, I was informed that the application was denied. When I requested an explanation, the representative provided the basis for the decision. Ordinarily I would simply wait a couple months to reapply however I decided to write this email because I found the representatives explanation to be inadequate when considering the aggregate circumstances. Here is what I mean:
In January 2013, I was pre-approved for an America Express Business Card based on my tax payer ID, credit profile and income. I am a sole proprietor of a business and the only employee. Aside from a modest & mundane set of business expenses and write-offs for my profession, my gross income is consistent. It is with this information that I was approved for an American Express Business card with NPSL.
Because I want to expand my credit profile and take advantage of the rewards program offered through American Express, I didn't think it was a problem to apply and be approved for a Blue Cash Everyday Card since the same credit profile, income, employer, etc would be used. Yet I was not approved and as I previously stated, the explanation was insufficient AND inconsistent given my approval for the business card.
I have been an authorized user on my wife's Costco American Express card and have PAID IN FULL the balance of that card consistently - month to month. What's noteworthy about that is that my wife stays at home with our son, so even though I'm simply an "authorized user", it is in fact my earned income that pays American Express every month. While it's not expected for you to know that, given the circumstances, it's important for you to know who is faithfully and consistently paying an American Express balance every month.
While my current credit profile reflects someone who struggled with credit as a youth, I'm confident that if you looked at the recent activity on my credit profile (consider the last 5 years) you would identify me as someone who pays as promised, on time and consistently. I have paid off three car loans, two sets of student loans, my mortgage has NEVER been late and my credit usage has always remained in check and balances paid in full - every month. I understand the current (flawed) FICO and credit reporting system doesn't disregard errors individuals such as myself made as a youth just gaining access to credit. However I expect individuals such as yourself to manually review circumstances such as this, considering ALL the data including recent credit behaviors. By doing so, I expect you to realize that I am not an individual who purchased a home at too high of a valuation then continued to over leverage by taking out a HELOC's I would have trouble paying back and other irresponsible behaviors. That is not the basis for my denial. The basis for my denial was a couple late payments I made in my early 20's that I continue to be penalized for. I'm XX years old now - graduated from college, operating a profitable small business with a family at home. I am, who you want to do business with as a consumer. I hope you and your colleagues will reconsider and agree with me.
In addition to email, I may be contacted at the phone number and mailing address you have on file. I do expect this email finds you in good health and I do expect to hear from you shortly.
Warm regards and best wishes,
Art F. Vandalay
Yes or no?
so how did you find his email ?
