Hi all - I have another CC application question. This one is with regards to AMEX. My understanding is that they almost exclusively pull Experian when reviewing an application. The reason this is important is because I noticed a couple of accounts on all 3 of my credit reports were reporting "Account disputed by consumer", when in fact I was not disputing the accounts and all information was being reported positively and correctly.
I was able to get Experian to remove the language from report quickly over the phone (literally within minutes). TU and EQ have proven to be much more difficult to deal with. In fact, for EQ I actually have to go in and Dispute a Dispute, which is not a dispute at all! 
Anyway, my EX FICO in October was over 750 (found this out during a mortgage refi). I have no negatives whatsoever on my EX report and no disputed items on that report. Should I go ahead and apply for the Amex or should I wait until the other 2 bureaus "resolve" the non-dispute disputes??
@Anonymous wrote:Hi all - I have another CC application question. This one is with regards to AMEX. My understanding is that they almost exclusively pull Experian when reviewing an application. The reason this is important is because I noticed a couple of accounts on all 3 of my credit reports were reporting "Account disputed by consumer", when in fact I was not disputing the accounts and all information was being reported positively and correctly.
I was able to get Experian to remove the language from report quickly over the phone (literally within minutes). TU and EQ have proven to be much more difficult to deal with. In fact, for EQ I actually have to go in and Dispute a Dispute, which is not a dispute at all!
Anyway, my EX FICO in October was over 750 (found this out during a mortgage refi). I have no negatives whatsoever on my EX report and no disputed items on that report. Should I go ahead and apply for the Amex or should I wait until the other 2 bureaus "resolve" the non-dispute disputes??
With an EX FICO of 750, the world is yours. I would apply if I were you; I wouldn't worry about the disputes. I have some of the disputes on my CR and I just got a BCE
Probably won't be a big deal for the CC, but could be a problem down the road. Here's a thread to review for help on getting the disptue comments removed: http://ficoforums.myfico.com/t5/Mortgage-Loans/Best-Way-to-Remove-quot-Account-In-Dispute-quot-for-M...
Starting Score: ~500 (12/01/2008)I would say go for it with that EX score. What is your AAoA?? Any baddies?
I was right about where you are a few months ago, AAoA 6 yrs, 764 EX, no baddies, 11% util, 2 inq over 1yr, 50K income. Got approved for BCP $19,300.
@Anonymous wrote:AAofA is 4yrs 6mos, with the oldest over 13. No lates, no CO, all reports have zero negative info. Utilization on reports is just over 10%. Not too worried about approval, but I definitely want to apply when I think I can get the highest initial limit.
My EX fico is 750s....forgot the exact number when Amex sent me the BCP card + Fico score.
AAoA is a little over 5yrs, no lates, no co, no nada...clean report.
Amex BCP was approved and CL is $10K about 3wks ago. Wait til they hear me calling after 61days for a CLI.
GL....you are in.