Reply To: BAPP rejected – credit score?

[gustavo]

Each lender will use their own affordability checks and they might use one or more credit agencies and they all have different parameters to evaluate you. Did you do an eligibility check before applying on the Amex website? It usually tells you how likely you are to get the card.

I did apply for the card after getting my mortgage for my first home through, though I already had another Amex and never saw another hard search in any of the three credit reports. If you changed address recently as well – which was my case, I had an issue with identity verification in a bank switch I did shortly after moving because there was not enough data about me in the new address. So that could be the case? For my Amex application I had to give them some proof of address and then everything went through. For the bank switch I went to the branch and showed my ID.

With regards to the negative impact you think you might have, is suggest looking into detail from all the three agencies (experian is the only one you need to take a free trial to check in depth analysis) and see if they mark it as a negative impact.