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Just got it back (and the D&B one since thats who Westpac/Earth use) and both only showing a few inquiries for my new phone/3G card etc - no negative marks..... Any suggestions on how I find out why my record is being treated as negative?

Hey Natt, not yet (signed contract for off the plan but don't 'own' it yet). However non of their criteria even check this fact anyway. Update: just applied for the Earth Card and was rejected online instantly -- it would appear their system has some bad mark against my name :(, have ordered a...

I recently applied for the American Express Ultimate card and just called to find out my application was denied. The most frustrating part as always is they won’t specifically tell me why – which means I can’t explain or ‘fix’ whatever they think is wrong with my record/profile -Income = 6...

Yeah you should! :). The only thing to watch out for was that the guy said I had to follow the link on the website to sign up so not sure If I'd be able ot get the $250 deal and the points ;)

$250 pa....you did well! I had no luck at getting the rate down. Do you have an agents direct contact # that you spoke to?

As most of you would konw Amex were running a 30,000 bonus promo on new Ultimate cards -- Link: goo.gl/oiNZ I woke this morning to order one and had a nice surprise that they've bumped the offer to 50,000 bonus points! Link: goo.gl/eFQr Enjoy everyone