Declined AMEX delta but pulled last months report strange!!!!!

Tips and Deals Forums Consumer Credit Credit Cards Declined AMEX delta but pulled last months report strange!!!!!

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    Profile photo of
    Anonymous

    Hi,*

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    Applied for amex delta card and was instantly declined. When i checked the reasons for decline it says high utilisation factor and fico score of 656. Interesting is that it says your FICO score as of july 11 , instead of todays date. I did have like 40% utilisation last month and I paid off all my debt and my current report from experian says I am at 1% utilisation.

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    Can somebody explain me why they would pull a report from last month rather than current?

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    AAAO 2 yr 1 month

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    total account 8

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    utilisation 1%

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