AMERICAN EXPRESS

[Anonymous]

They pulled EX on me also and I thought they would pull EQ. My EQ score is a little higher and the file cleaner due to getting old collections and lates removed. I still got approved but with a really small limit for an Amex ($1K). Still, I am happy to have it because I think historically they are liberal with CLI's and additional lines once you establish yourself as a responsible account holder.

[fused]

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princeromeo wrote:

no nothing is bad nothing late i got them from fico the real fico

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Something is not right.  Can you list your tl's with the type, cl's and balances and when they were opened.  what about your inq's? do you know your FICO TU score also?

[princeromeo]

yea i dont understand why i khow alot of my accounts were opened in jan of 2007 but they all have little to none balances discover fith third and and chase all approved me

[fused]

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princeromeo wrote:

yea i dont understand why i khow alot of my accounts were opened in jan of 2007 but they all have little to none balances discover fith third and and chase all approved me

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You can be denied for credit if you have too many new accounts and too many recent inq's.  With what you just said I'm not surprised Amex denied you.  You can try a reconn but I'm not sure it will help because an underwriter will probably do a manuel review and ask you difficult questions.  You have some cc's use em wisely and pay on time.  You will be fine over time.

[Anonymous]

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princeromeo wrote:

hello i thought they pull eq  i applied for 5 cards and they were denied because american express pulled experian i live in the illinois area? doesnt american express pull Equifax also?

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Check the status of your apps online.

https://www201.americanexpress.com/eaol/statuscheck/welcome.jsp?us_nu=dd

They usually have a scanned denied image online for you to see. May also be a phone number you can call.

It's possible you weren't denied, and the application was simply put on hold.

[Tuscani]

614 is little low for even the Delta, IMO. I wouldn't try unless you were mid 600s. The highest CL I have seen <700 has been $6800 (mother-in-law). Her score is 667.  A Citi card would be a good option. They pull EQ. Try for the Premier Pass card. Once you get it, convert to the Dividens Plat Select. I am guessing you will get a $5000+ CL with Citi. Keep us updated!  

[Anonymous]

I just got approved for the amex gold (no spending limit) yesterday...from my credit report, it looks like amex only pulled TU. Current score for TU is now 741. But not only do you have multiple accounts and inquiries, but I think the 600 is way too low to get approved. Bring it up to maybe 680 and apply in 6 months?? Good luck

Message Edited by Chopbrocoli on 06-19-2007 12:43 PM

[Anonymous]

AMEX pulled EX for me last month...

Reconn would not look at EQ or TU...

Rob

[Anonymous]

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@Tuscani wrote:

614 is little low for even the Delta, IMO. I wouldn't try unless you were mid 600s. The highest CL I have seen 700 has been $6800 (mother-in-law). Her score is 667. A Citi card would be a good option. They pull EQ. Try for the Premier Pass card. Once you get it, convert to the Dividens Plat Select. I am guessing you will get a $5000+ CL with Citi. Keep us updated!

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I second that advice about CITI--I got approved last Friday (6/15/07) for the CITI AAdvantage American Express Card with an initial credit limit of $7000.00 My Equifax score is 638 and my Experian is 652.

I thought I would not see a credit line like that until years from now, because so far all my limits have been under $1000 with my crappy FICO's.

[princeromeo]

yes ima just wait it out  but some reason in illinois chase and citi they pull transunion and on my trans union i  have a loan thats reporting late so the aa cit card denied me