denied AMEX BCP

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Randiesel75
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denied AMEX BCP

Postby Randiesel75 » Thu Jul 17, 2014 8:21 pm

My wife was denied the BCP this evening, which I was shocked. We just closed on our new home, so credit is awesome (750 middle).

I know Chase has a recon number where you can hash it out. Does AMEX have anything similar?


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onion
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Postby onion » Thu Jul 17, 2014 9:07 pm

Here you go: 877-399-3083. They're open until midnight EST. If I remember correctly, AmEx isn't too big on reconsideration though, but I may be wrong. Best of luck!
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yfan
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Postby yfan » Thu Jul 17, 2014 9:19 pm

Is it possible she got denied precisely because you just closed on your new home? Could they be thinking you're trying to take on too much debt at once?

takeshi
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Postby takeshi » Fri Jul 18, 2014 9:05 am

Randiesel75 wrote:I know Chase has a recon number where you can hash it out. Does AMEX have anything similar?

AmEx does but it seems like they typically do not recon unless there's an error on the report.

Randiesel75 wrote:We just closed on our new home, so credit is awesome (750 middle).

How are individual factors? It's never just about the score.

What score are you referring to? Keep in mind that the score you have and the score a creditor uses for approval decision can be different if one of more of the following apply:
  • Scoring models are not the same (likely if your score came from your mortgage lender)
  • Report data changed over time when the diffferent scores were pulled
  • Score you're referencing is based on data from a different CRA than the score the creditor is pulling

I'd suggest waiting for the reason(s) for denial and going off that.



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