A few days ago I posted about getting denied for the Amex Platinum even though my FICO is around 748. The denial reasons were low score and short customer history, which didn’t really make sense.
I called the new accounts department today and asked what score they actually saw when I applied. The rep told me it showed a 605 FICO. That immediately sounded wrong. After digging, I realized they must’ve pulled an old credit report from about a year ago that had a false collection on it, which has since been removed.
The rep agreed it didn’t line up and resubmitted my application to reconsideration with notes to pull my current credit report instead. He said I should be fine once they review the correct info.
Really strange situation overall. Curious if anyone else has had Amex pull an outdated or incorrect report like this?
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