Odds at Getting Approved for Amex Blue Cash Everyday

[Skinnyminnie]

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@FrugalRican wrote:

I need more coffee, I totally read that earlier too.

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LOL

[Revelate]

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@FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

Did you call?

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Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.

[JaneS1123445]

You make a valid point. Both TransUnion and Equifax have my previous and current addresses inverted. The only one who got it right is Experian.

[FrugalRican]

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@Revelate wrote:

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@FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

Did you call?

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Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.

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Yep, they are current on everything.

And then I get to do it again in November. Hurray.

[crunching_numbers]

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@FrugalRican wrote:

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@Revelate wrote:

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@FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

Did you call?

---

Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.

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Yep, they are current on everything.

And then I get to do it again in November. Hurray.

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FrugalRican, is that a good hurray, or a sarcastic hurray?

[FrugalRican]

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@crunching_numbers wrote:

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@FrugalRican wrote:

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@Revelate wrote:

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@FrugalRican wrote:

If it were addresses, they'd hate me, I've had 4 different addresses in the last 5 years.

Did you call?

---

Just make certain the CRA's are updated with your current address: if one is out of sync, that'll flag a review possibly, and if all three are (as mine once were) it's a guaruntee to get one.  Apparently in my case, filing an online dispute and/or ordering my annual free credit reports (only two actions I took),  finally got them to update their various records.  Have to see if TU updated, if so then it was the credit report request as I couldn't log a dispute on their system successfully.

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Yep, they are current on everything.

And then I get to do it again in November. Hurray.

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FrugalRican, is that a good hurray, or a sarcastic hurray?

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A little of both. Tired of moving around so much lol

But a good hurray because it's me moving in with DGF, hopefully

[JaneS1123445]

Wanna hear something funny? I called in to check my CL on my Macy's Card, which I've literally used TWICE and paid in full each time, and guess what my credit limit is? $2K!!!! and here I was thinking it was only $100 hahahaaha. I almost fell off my chair at work! Anyhow....If my calculations are correct, my limit of $4k with the Visa, and now the $2K on the Macy's makes for a $6k total, and based on the fact I only have $905 worth of debt on the Visa, my Utilization is only 15%. I'm a happy camper

*Edit - They aren't reporting it on my CR. So my utilization shows higher than what it actually is...bummer. I just did an online dispute through Equifax to see if they can adjust it.

[LS2982]

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@JaneS1123445 wrote:

Wanna hear something funny? I called in to check my CL on my Macy's Card, which I've literally used TWICE and paid in full each time, and guess what my credit limit is? $2K!!!! and here I was thinking it was only $100 hahahaaha. I almost fell off my chair at work! Anyhow....If my calculations are correct, my limit of $4k with the Visa, and now the $2K on the Macy's makes for a $6k total, and based on the fact I only have $905 worth of debt on the Visa, my Utilization is only 15%. I'm a happy camper

*Edit - They aren't reporting it on my CR. So my utilization shows higher than what it actually is...bummer. I just did an online dispute through Equifax to see if they can adjust it.

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Sweet Congrats!!!!!

[JaneS1123445]

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@LS2982 wrote:

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@JaneS1123445 wrote:

Wanna hear something funny? I called in to check my CL on my Macy's Card, which I've literally used TWICE and paid in full each time, and guess what my credit limit is? $2K!!!! and here I was thinking it was only $100 hahahaaha. I almost fell off my chair at work! Anyhow....If my calculations are correct, my limit of $4k with the Visa, and now the $2K on the Macy's makes for a $6k total, and based on the fact I only have $905 worth of debt on the Visa, my Utilization is only 15%. I'm a happy camper

*Edit - They aren't reporting it on my CR. So my utilization shows higher than what it actually is...bummer. I just did an online dispute through Equifax to see if they can adjust it.

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Sweet Congrats!!!!!

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Thank you much. Unfortunately, as long as their not reporting it, it doesn't really benefit me.

[JaneS1123445]

Just FYI guys, I called Amex again to see if they needed to verify details with me or possibly needed some docs, find out what the hold up was, etc., and this rep told me a specialist is reviewing my application. He then said I would be contacted if they needed something additional, and when they reach a decision. Practically right after I hung up with him, I got an email stating my application was in processing status and I got a reference number with a link to the "check you status" page.