I just applied for an Amex Gold PR card and was denied. For some odd reason, the reason for denial is a lot of old information that isn't even on my reports anymore.
They said my balances are too high and my score is too low.
I pulled my reports, and it's showing $0 on all my revolving accounts, and my FICO from PSECU is 693.
I looked at the backdoor number thread, and the only number they have listed that remotely resembles a recon line is for their credit bureau department. They won't even talk to you unless you have an Experian report number.
I tried doing a search on here and found another thread which they claim is a backdoor number, and that just goes straight to their New Accounts department. I spoke to 2 different people and asked for a recon or manual review, and all they do is read off the reasons for my denial and won't go beyond that.
I thought charge cards were easier to get approved for? They approved me for a Blue Cash, but they won't approve me for a Charge Card. Amex is a weird one.
I just pulled my Experian report, and there is NO hard pull! Now i'm really confused.
Not enough accounts to have a split file.
Denial specifically stated that the information was pulled from my Experian.
I asked the CSR that the information that they received is INCORRECT.
All they would tell me is pretty much "Go bother Experian, it's not our problem."