Amex Delta - Should I reaply

[Anonymous]

Good Morning Everyone,

I was denied for an AMEX Delta over a month ago.  Since them my scores have increased.  My current numbers are:

TU 608

EQ 635

EX 635

Should I reaply for the card?

W

[Tuscani]

What were your scores then? What else has changed?

[Anonymous]

I would reapply. i was approved last week with EX 631.

[Anonymous]

I would answer Tuscani's question first. If there is still a baddie on there that caused the denial it won't be worth a 2nd hard on EX.

[Anonymous]

See below are the reasons for my denial.

Your consumer credit bureau score from Trans Union is too low (See below)

High utilization of credit lines or insufficient utilization information (Trans Union)

Too many new accounts (Trans Union)

The amount of spending on your bank and retail credit card accounts over the last twelve months is too low. (Experian)

[Tuscani]

I would reapply.

[Anonymous]

I just ran my numbers again and they are actually a little higher than i orginally reported.  Do I stand a decent shot at getting approved for Amex Delta with these scores.

TransUnion

619

Date: 8/14/2007
Equifax

635

Date: 8/12/2007

Experian

657

Date: 8/14/2007

[Anonymous]

I wanted to add one more thing.  They are pulling Trans Union which happens to be my lowest score.  Do you think they will pull from Trans Union again?  Based on the info in most of the posts they typically pull Experian.

W

[Tuscani]

You sure? They seem to be pulling EX across the board.

[Anonymous]

I applied this morning and was shot down. My scores were TR 650 / EQ 637 / EX 607. They pulled EX on me, my lowest score of course. However, I was turned down because of BK in '98. I even called first and asked if the BK would disqualify me and was told no. Sorry I listened to their rep, now I have additional inq on my CR.

Anyway, gl if you decide to try.