Want my AMEX platinum back!!!

[Anonymous]

What credit score do they use?....lost AMEX, 4/09 due to foreclosure of one of my 3 properties.  Was perfect card since I business travel often. Credit score was 820 before FC. Always have had excellent credit card history; income $200,000.  Now Experian score 990, but FICO 708.  Thought I'd apply online, but want too avoid hard hit on credit score if going to be denied.  What should I do?

[Anonymous]

you should call and talk to AmEx CSR directly, they are one of the most smart and helpful CSR, since you are previous acct holder.

[Anonymous]

Go to the part of their website for pre-selected offers and put in your name, address, zip and last 4 of your social. Should nothing come up call and apply. I don't like the website route. If they say no try a recon through the backdoor number. Keep us posted.

[wlueckel]

... sorry wrong thread...

[Scuba]

You'll get it, they gave me mine back.  I have had it now for 2 weeks.

Good luck.

[GIXXER]

what your credit when you got your amex card back...

[Anonymous]

But, what credit score do they use?  What were your scores?

[Anonymous]

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@Anonymous wrote:

But, what credit score do they use?  What were your scores?

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American Express has their own scores, they don't use FICO.    They pull Experian usually.

[Scuba]

My U just over 700,

EQ was 690, EX??? and had 2 inquiries before this Plat pull.  I got a Zync 2 months before Platinum and Zync was instant approval and Platinum took 4 days before they approved it..

[Anonymous]

How did you apply? New to forum...U is what score?