ax au add w.a bk7 new dp's + amex share screen

[bourgogne]

just a quick update, I was able to add an individual a while back to my bgr that has a bk7 reporting (6/09) and burned ax for $50K.  was hoping this would give her some history for when she does her own apps next year.  today I was able to add her to a to a bizblue+ ... initially tied via a csr and it got denied.  I then called 866-314-0237 and the csr transferred me somewhere else, I told the rep the story, bk7, she is using the bgr and paying on it.  rep said thanks for being with us for 4+ decades etc.  he went offline for 10 min, came back and approved it.  I was floored.  very happy to get her a revolver for some history not to mention to meet my sub spend lol.  she can do that in a month ha-ha.  anyway, she is part way back in.  had a portal question ealier today and the csr shared my screen - I was like whoa, its was magic.  a good amex day to be sure - au's can get on biz cards having burned amex in a bk7 and having the bk7 still report, its confirmed

[simplynoir]

By BGR you mean Business Gold Rewards card correct? Because AMEX doesn't report ANY business cards to the bureaus whether it's the BGR, Biz Plat, BBP, etc. but kudos for being able to get them a card despite the BK7 reporting.

[bourgogne]

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@simplynoir wrote:

By BGR you mean Business Gold Rewards card correct? Because AMEX doesn't report ANY business cards to the bureaus whether it's the BGR, Biz Plat, BBP, etc. but kudos for being able to get them a card despite the BK7 reporting.

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right and that is a + as the only reporting I want it to amex backend - I want her file clear of apps.  reporting has nothing to do with getting the card.  tried both consumer and biz with chase and there is no way, unless she pays off the burn they will not let her back in even when the bk7 falls off. they told me this flat out

[simplynoir]

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@bourgogne wrote:

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@simplynoir wrote:

By BGR you mean Business Gold Rewards card correct? Because AMEX doesn't report ANY business cards to the bureaus whether it's the BGR, Biz Plat, BBP, etc. but kudos for being able to get them a card despite the BK7 reporting.

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right and that is a + as the only reporting I want it to amex backend - I want her file clear of apps.  reporting has nothing to do with getting the card.  tried both consumer and biz with chase and there is no way, unless she pays off the burn they will not let her back in even when the bk7 falls off. they told me this flat out

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Just wanted to be clear because you mentioned this in your post: "was hoping this would give her some history for when she does her own apps next year." Wording said otherwise so just wanted to make sure. And AMEX won't consider her AU cards with them when doing a possible app down the line for her own credit. As far as they're concerned it's a new customer with no previous history if/when she does.

[FinStar]

This ^^^^ OP. Regardless of whether personal or biz accounts with AMEX.

[bourgogne]

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@simplynoir wrote:

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@bourgogne wrote:

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@simplynoir wrote:

By BGR you mean Business Gold Rewards card correct? Because AMEX doesn't report ANY business cards to the bureaus whether it's the BGR, Biz Plat, BBP, etc. but kudos for being able to get them a card despite the BK7 reporting.

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right and that is a + as the only reporting I want it to amex backend - I want her file clear of apps.  reporting has nothing to do with getting the card.  tried both consumer and biz with chase and there is no way, unless she pays off the burn they will not let her back in even when the bk7 falls off. they told me this flat out

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Just wanted to be clear because you mentioned this in your post: "was hoping this would give her some history for when she does her own apps next year." Wording said otherwise so just wanted to make sure. And AMEX won't consider her AU cards with them when doing a possible app down the line for her own credit. As far as they're concerned it's a new customer with no previous history if/when she does.

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not talking skynet or the matrix here but my belief is very different.  I think if an au card has been in the mix that a new app will reach out to the au primary and weigh in on some unknown basis.  I gave an everyday au to a 52 year old woman in 12/17 and her only card in her life was a $ 500 credit one a year old and as soon as a pre-approval showed a few months later I apped with a referral link and the yeild was $25K.  to me this is proof there is linkage but that is just me, no way to really know for sure

[simplynoir]

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@bourgogne wrote:

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@simplynoir wrote:

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@bourgogne wrote:

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@simplynoir wrote:

By BGR you mean Business Gold Rewards card correct? Because AMEX doesn't report ANY business cards to the bureaus whether it's the BGR, Biz Plat, BBP, etc. but kudos for being able to get them a card despite the BK7 reporting.

---

right and that is a + as the only reporting I want it to amex backend - I want her file clear of apps.  reporting has nothing to do with getting the card.  tried both consumer and biz with chase and there is no way, unless she pays off the burn they will not let her back in even when the bk7 falls off. they told me this flat out

---

Just wanted to be clear because you mentioned this in your post: "was hoping this would give her some history for when she does her own apps next year." Wording said otherwise so just wanted to make sure. And AMEX won't consider her AU cards with them when doing a possible app down the line for her own credit. As far as they're concerned it's a new customer with no previous history if/when she does.

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not talking skynet or the matrix here but my belief is very different.  I think if an au card has been in the mix that a new app will reach out to the au primary and weigh in on some unknown basis.  I gave an everyday au to a 52 year old woman in 12/17 and her only card in her life was a $ 500 credit one a year old and as soon as a pre-approval showed a few months later I apped with a referral link and the yeild was $25K.  to me this is proof there is linkage but that is just me, no way to really know for sure

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I think you're just looking for a correlation on her aritificial score increase based on the CL of said card when you added her as a AU on the ED. What we're saying is as any AU cards specifically with AMEX they don't consider it at all when making their decisions; yes, if it's on her report they "considered" it for the basis of pulling a score and checking what card(s) she had for payment/limit history but she didn't get that large SL because she was already with AMEX.

[bourgogne]

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@simplynoir wrote:

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@bourgogne wrote:

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@simplynoir wrote:

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@bourgogne wrote:

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@simplynoir wrote:

By BGR you mean Business Gold Rewards card correct? Because AMEX doesn't report ANY business cards to the bureaus whether it's the BGR, Biz Plat, BBP, etc. but kudos for being able to get them a card despite the BK7 reporting.

---

right and that is a + as the only reporting I want it to amex backend - I want her file clear of apps.  reporting has nothing to do with getting the card.  tried both consumer and biz with chase and there is no way, unless she pays off the burn they will not let her back in even when the bk7 falls off. they told me this flat out

---

Just wanted to be clear because you mentioned this in your post: "was hoping this would give her some history for when she does her own apps next year." Wording said otherwise so just wanted to make sure. And AMEX won't consider her AU cards with them when doing a possible app down the line for her own credit. As far as they're concerned it's a new customer with no previous history if/when she does.

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not talking skynet or the matrix here but my belief is very different.  I think if an au card has been in the mix that a new app will reach out to the au primary and weigh in on some unknown basis.  I gave an everyday au to a 52 year old woman in 12/17 and her only card in her life was a $ 500 credit one a year old and as soon as a pre-approval showed a few months later I apped with a referral link and the yeild was $25K.  to me this is proof there is linkage but that is just me, no way to really know for sure

---

I think you're just looking for a correlation on her aritificial score increase based on the CL of said card when you added her as a AU on the ED. What we're saying is as any AU cards specifically with AMEX they don't consider it at all when making their decisions; yes, if it's on her report they "considered" it for the basis of pulling a score and checking what card(s) she had for payment/limit history but she didn't get that large SL because she was already with AMEX.

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she got the sl because the system backed into and looked at my history and looked at the history of the au card(s) she had from me.  this is my belief and I have given out enough au's in the past few years to really believe it it.  I dont buy for a second that amex and other lenders dont look sideways to gauge and weight data in all sort of ways we could only guess about.  we can agree to disagree, I am good with it all

[simplynoir]

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@bourgogne wrote:

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@simplynoir

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we can agree to disagree, I am good with it all

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Fair enough.

[bourgogne]

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@simplynoir wrote:

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@bourgogne wrote:

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@simplynoir

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we can agree to disagree, I am good with it all

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Fair enough.

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in another life I worked for data general, ibm, dec, etc.  dba, systems design and integration. there is no way imo that all these networks are static, if it can bring down stock or custom fico models on the fly and do a merge with the backend it can grade card apps from other relationships and angles as well.  ever wonder why the circle spins a bit longer...I don't