boom wrote:So I was wondering when I should consider reapplying for this card again?
When the reasons for denial are addressed. Make sure your reports reflect the lowered utilization. We have no information regarding you inquiries other than the 2 you mentioned. Impact generally falls off at 1 year and they completely fall off at 2. They may taper sufficiently at 6 months which is why it is suggested above.
boom wrote:I've opened 2 accts this month to begin increasing my limit and decreasing my utl maybe this was one too many?
Impact of inquiries will vary by credit profile but we need to know total number of inquiries with the CRA pulled and the age of each inquiry. If you have a thin file/short history 2 could be too many for a given creditor.
boom wrote:I know I have a short credit history but I have read others my age get approved as well
Age doesn't matter. Credit does. You have a short history with 2 brand new accounts. That's a lot for someone with your credit profile.
boom wrote:Recon didn't work.
AmEx generally doesn't recon unless there's an error in the report.
boom wrote:Yes, I would guess that number is FICO because that's what the Amex CSR told me. CK has my scores a bit lower than that.
Do not rely on a score generated by one model to determine a score generated by a different model. CK's scores are VantageScore 3.0 and CK does not provide scores based on EX data. Be careful even comparing FICO to FICO.