I recently applied for Amex PRG and was denied online. I searched these forums and discovered that I can call Amex for recon. I did my app was submitted for manual review. Checked their website application status and was denied again -reason EX reporting (foreclosure, repo,garn, late stud loans) I have none of these reporting. I did a loan mod 2011 and have 5 lates - for which i recently sent a "goodwill" ltr to Wells Fargo for removal (didnt know about that either). I have been current before and after the loan mod (over a year). I called Amex and was advised to fax/mail EX-CR and recon ltr. They received my package on 12/26- been checking the website daily -went from denied to "In Progress". The late mtg pmts are the only baddies...no other lates. My utility is abt 50% on one card my Visa ($10k limit)- all others pif. Has anyone gone thru this process? How long does it take? I received an alert today that they pulled another EX-CR this morning...What impact will those late mtg pmts have? Looks like I'll have to wait til next week now....no status change today...waiting
Last App Oct 2013...applied and received Amex PRG and Blue Sky!
FICO -Walmart = 779
Credit Karma = 781
EX-766, EQ 772, TU-759
Goal: 800