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The short length of time you have been on file with a consumer reporting agency, in relation to your overall credit profile.

Too many creditors have recently reviewed your credit report.

The information provided by the consumer reporting agency included the following factors from your credit report that affected our decision: Too many accounts with balances. I called AMEX immediately and after spending about four hours on the phone with them, NO ONE could tell me why my account was cancelled.

One reason they stated was that I had a past due amount which was never paid with AMEX, which clearly I didn't.

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