Amex question

[DSW89]

A couple weeks ago I applied for the Amex green card in hopes of starting a relationship with AMEX and was denied. I received the letter today and the reason for denial was use of a credit counseling agency. I was on a DMP in the past but all the accounts that were on DMP are paid in full and I am no longer in the program. one of my old accounts still has the notation payments managed by counseling agency on my report but it is closed with a zero balance they just never removed that notation. Do you think if I call Amex and explain they will approve it? That's the only reason stated on the denial letter. Also do they usually give your EX Fico on the denial letter because there was not one on there. Of course I know the only way to get a definite answer is to call AMEX but I figured I would see if anyone here was ever in that situation and what the outcome was. Thanks! Also is the best number to call the one they put on the denial letter?

[myjourney]

Yes try to recon I think if that's the only reason for denial you'll be approved

[DSW89]

What's the best number for recon? I saw the numbers in the back door number thread I'm just not sure wich one is best to use.

[LS2982]

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@DSW89 wrote:
A couple weeks ago I applied for the Amex green card in hopes of starting a relationship with AMEX and was denied. I received the letter today and the reason for denial was use of a credit counseling agency. I was on a DMP in the past but all the accounts that were on DMP are paid in full and I am no longer in the program. one of my old accounts still has the notation payments managed by counseling agency on my report but it is closed with a zero balance they just never removed that notation. Do you think if I call Amex and explain they will approve it? That's the only reason stated on the denial letter. Also do they usually give your EX Fico on the denial letter because there was not one on there. Of course I know the only way to get a definite answer is to call AMEX but I figured I would see if anyone here was ever in that situation and what the outcome was. Thanks! Also is the best number to call the one they put on the denial letter?

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I would give this number a try, this is their Executive Office.

 800-297-6197

Good luck!! (They close at 6p weekdays)

[DSW89]

Is that EST time?

[DSW89]

And thanks so much for the info

[LS2982]

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@DSW89 wrote:
Is that EST time?

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Yes

[thelethargicage]

I got the same message earlier this year. What was your utilization on your other cards when you applied? Was the card on the DMP with Citi or FIA?

[DSW89]

Highest was 25% 750/3000 other cards were 5% or below the card that is showing as dmp is a reeds jewelers card issued by comenity bank

[enharu]

for amex, a recon is a hard pull. even if you tell them not to, they will still do a hard pull as long as you try to appeal the decision.

there are many threads on this and other forums that will tell you the same thing. i also experienced the same thing myself last week.

if they declined you, just wait for the letter, find out why you got declined. work on it somehow one way or another, and then reapply.

that is probably the best "safest" way you can make use of for your inquiries. 

If you have a low number of inquiries and don't mind exhausting one more, then definitely get it recon'ed. Otherwise, just wait and try again next time.

Their recon staff are *sometimes* very helpful on explaining why you got declined and how you can increase your chances. It took me about 9 phone calls before I spoke to someone who actually made any sense over the phone. He explained everything to me in detail, and that phone call definitely helped me a lot.

Best of luck!