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Amex Delta - Should I reaply

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Frequent Contributor

Amex Delta - Should I reaply

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
TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Message 1 of 13
12 REPLIES 12
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Moderator Emeritus

Re: Amex Delta - Should I reaply

What were your scores then? What else has changed?
Message 2 of 13
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Contributor

Re: Amex Delta - Should I reaply

I would reapply. i was approved last week with EX 631.
Message 3 of 13
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Frequent Contributor

Re: Amex Delta - Should I reaply

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.
Message 4 of 13
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Frequent Contributor

Re: Amex Delta - Should I reaply

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)

TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Message 5 of 13
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Moderator Emeritus

Re: Amex Delta - Should I reaply

I would reapply.
Message 6 of 13
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Frequent Contributor

Re: Amex Delta - Should I reaply

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
Date: 8/14/2007
Equifax
Date: 8/12/2007
Experian
Date: 8/14/2007
TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Message 7 of 13
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Frequent Contributor

Re: Amex Delta - Should I reaply

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
TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Message 8 of 13
Highlighted
Moderator Emeritus

Re: Amex Delta - Should I reaply

You sure? They seem to be pulling EX across the board.
Message 9 of 13
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Frequent Contributor

Re: Amex Delta - Should I reaply

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.
FICO SCORES 10/13/2007: TU 661 / EQ 637 / EX 617)
FICO SCORES 11/11/2007: TU 669 / EQ 637 / EX 623 (Looking for 700)
Fico Scores 01/04/2008: TU 667 12/23/2007 / EQ 628 / EX 617
Message 10 of 13
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