Reply
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Unexpected AmEx Approval

Congrats

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Unexpected AmEx Approval


GABrown wrote:
Thats the first time i have heard of this...Thats really awesome and congrats as well!!!

yep me too first time I heard of someone paying in full after they settled :smileywink:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
iCoop
Posts: 137
Registered: ‎05-06-2012
0

Re: Unexpected AmEx Approval


beb86 wrote:

AMEX uses inhouse collections which is a benefit when you want to do right by them...Congrats... what card did you get approved for 


I applied for and was approved for Blue from American Express.



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 699 | TU 727 | EX 715
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
Regular Contributor
iCoop
Posts: 137
Registered: ‎05-06-2012
0

Re: Unexpected AmEx Approval


youngandcreditwrthy wrote:
The reps aren't credit analysts though... They really can't aa you or anything, I wouldn't think....not 100%.

Haha what if they Financial Review you.
Oh f***!!!

:-P jk!

Financial Review? What would that do?



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 699 | TU 727 | EX 715
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
Regular Contributor
iCoop
Posts: 137
Registered: ‎05-06-2012
0

Re: Unexpected AmEx Approval


Repo-ed wrote:

Log into americanexpress.com and the date at the top of the main screen will tell you your member since year.


I logged in and was able to find the original date:

 

"THANK YOU FOR BEING A CARDMEMBER SINCE 2005"



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 699 | TU 727 | EX 715
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
Regular Contributor
iCoop
Posts: 137
Registered: ‎05-06-2012
0

Re: Unexpected AmEx Approval


distantarray wrote:

GABrown wrote:
Thats the first time i have heard of this...Thats really awesome and congrats as well!!!

yep me too first time I heard of someone paying in full after they settled :smileywink:


lol I haven't fully PIF but just about. I should have never settled to begin with, I made the debt so I should pay the debt.



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 699 | TU 727 | EX 715
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
Regular Contributor
iCoop
Posts: 137
Registered: ‎05-06-2012
0

Re: Unexpected AmEx Approval


youngandcreditwrthy wrote:
Call them!!!! Now don't try for a cli until it's completely paid off... Ive seen ops get approved with old debts from Amex but then denied the 61day 3xcli bc of the old debt lol!

So I called and spoke with a new card rep. The rep said that my account terms had not fully generated yet but was able to tell me the estimated CL on my Blue card will be around $3,500 and no estimate can be given for APR.



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 699 | TU 727 | EX 715
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Unexpected AmEx Approval

Financial Review is where they make you give them permission to ask the IRS for your tax returns:-/. Don't worry about it... Just be cautious with how you use the account.

I got an initial line of $3500 tooo!!!!! Yay!! Got mine approved on Oct 1st!!!:-D
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Unexpected AmEx Approval

Congrats, that's great!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Regular Contributor
iCoop
Posts: 137
Registered: ‎05-06-2012
0

Re: Unexpected AmEx Approval

[ Edited ]

Update:

 

I received my congratulations letter from AmEx today stating my FICO score which they obtained from Experian. As of November 4 it was a 702. The key factors that contributed to my FICO score:

 

Serious delinquency

Length of time accounts have been established

Proportion of loan balances to loan amounts is too high

Too many inquiries last 12 months

 

APR: Still unknown

Credit Limit: $2,500



Starting Score: EQ 675 | TU 688 | EX 702
Current Score: EQ 699 | TU 727 | EX 715
Goal Score: 750 (Across All 3)


Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+