ribbit1072 Posted January 9, 2008 Report Share Posted January 9, 2008 I applied for AMEX because my scores went way up, and I really wanted a prime card so I could get rid if First Premier and Rewards660. This is my response:American Express PO Box 31525Salt Lake City, UT 84131(866) 379-3643January 08, 2008Reference number: Dear Ribbit:Thank you for your recent application for the Gold Delta SkyMiles® Credit Card from American Express . We do value your desire to establish a relationship with us. We regret that we are unable to approve your request for the following reason(s):Information was obtained from a source or sources other than a credit reporting agency. This information was a factor in our decision. If you are interested in knowing the nature and substance of this information, please send us a written request within 60 days. We will be happy to respond within 30 days after receiving your request. Be sure to include the reference number above and the date of this letter in any correspondence.Enclosed is an important notice concerning your rights. The creditor is American Express Bank, FSB. Thank you for your interest in our service. Sincerely,New Accounts DepartmentI have fraud alerts on my reports, is this why? And what in the hell is the "other source" I know, I know, I have to write them for it, but does anyone have any ideas? Link to comment Share on other sites More sharing options...
VeVe Posted January 9, 2008 Report Share Posted January 9, 2008 Did you put your employment and salary, and if so, was it accurate? Link to comment Share on other sites More sharing options...
ribbit1072 Posted January 9, 2008 Author Report Share Posted January 9, 2008 Yep, I sure did. Well, I guess it wouldn't be completely accurate because they asked for total household income, and they couldn't verify that through only MY employer, they'd have to contact the State of Missouri about Child Support and my Husbands employer too. So I don't think that's it. Link to comment Share on other sites More sharing options...
VeVe Posted January 9, 2008 Report Share Posted January 9, 2008 Yep, I sure did. Well, I guess it wouldn't be completely accurate because they asked for total household income, and they couldn't verify that through only MY employer, they'd have to contact the State of Missouri about Child Support and my Husbands employer too. So I don't think that's it.Did you put the $ amount of the additional income and it's source? Link to comment Share on other sites More sharing options...
ribbit1072 Posted January 9, 2008 Author Report Share Posted January 9, 2008 Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely on it.Annual Household Income:* $ .00 Income Source:Choose OneWell the options are Retired, Employed, Spouse, Unemployed, Self employed and since you can only choose 1 I chose employed, figuring they would call if they needed additional information. Maybe that's what it was? I might try to call them tomorrow. Link to comment Share on other sites More sharing options...
whocares Posted January 9, 2008 Report Share Posted January 9, 2008 If they can't verify your info because of a fraud alert, I would say that is the problem...they may have used lexus/nexus or some other smaller CRA, that you have not cleaned up... Link to comment Share on other sites More sharing options...
ribbit1072 Posted January 9, 2008 Author Report Share Posted January 9, 2008 If they can't verify your info because of a fraud alert, I would say that is the problem...they may have used lexus/nexus or some other smaller CRA, that you have not cleaned up...I bet you're right Whocares, I noticed just now a pull from Innovis??? Is that right? But it says in the letter they didn't use a CRA, so is Innovis not a CRA?And yet they pulled my EX report?????? Link to comment Share on other sites More sharing options...
VeVe Posted January 9, 2008 Report Share Posted January 9, 2008 Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely on it.Annual Household Income:* $ .00 Income Source:Choose OneWell the options are Retired, Employed, Spouse, Unemployed, Self employed and since you can only choose 1 I chose employed, figuring they would call if they needed additional information. Maybe that's what it was? I might try to call them tomorrow.So you put employed, but put your salary, plus your husband's salary, plus child support you receive? If yes, and they checked your employment, it looks like the number you put for your salary is grossly inflated. Usually there's a place for your income, then a separate place for additional income amount, and then it asks for the source of the additional income. Link to comment Share on other sites More sharing options...
whocares Posted January 9, 2008 Report Share Posted January 9, 2008 I bet you're right Whocares, I noticed just now a pull from Innovis??? Is that right? But it says in the letter they didn't use a CRA, so is Innovis not a CRA?And yet they pulled my EX report??????Innovis is an information clearing house...not technically a CRA...they could have pulled choice point too... Link to comment Share on other sites More sharing options...
Recommended Posts