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AMEX PRG Approval!!

New Contributor

AMEX PRG Approval!!

Wow, this seems unreal! I just got instantly approved for the AMEX PRG! Despite making tremendous progress in the past year, my reports are no where near perfect. I was pretty sure that this would just be a wasted inquiry but decided to pull the trigger, after reading about several approvals with less than stellar reports. I'm not sure what my actual scores are right now but last time I checked (March 2013) they were in the low 620s, and not much has changed since then.

 

Here is roughly what my report looks like:

Positive:

6 Credit card accounts with perfect payment history for the past 2 years. My utilization is currently around 4% total. All of these have been opened since starting my rebuild 2 years ago.

USAA 0/5000 (secured)

Barclays US Airways 400/4000 

BoA 123 Cash 71/2000 (secured)

Cap 1 Cash Rewards 0/1000

Best Buy 0/500

Cap 1 Secured 0/400

 

Negative:

Paid Judgment from 2006, set to fall off in November

Paid medical collection from 2007

Dozens of lates on 4 student loan tradelines. I have since rehabbed all of these accounts and they have been paid on time for the last two years. But unfortunately my efforts to remove the negative information with goodwill letters hasn't worked. 

Chase CSR 22,000 | Chase Freedom Unlimited 13,000 | Chase CSP 10,000| USAA Cash Back $7,000 | AA Silver Aviator Card $10,000 | AMEX Everyday $9,000 | Chase Freedom $3,000 | Capital One Cash Rewards $4,000 | Discover IT $4500 | Nordstrom Store Card $2000
Message 1 of 19
18 REPLIES
Senior Contributor

Re: AMEX PRG Approval!!

You might try disputing the neg info w the CRAs.
Congrats!
A lot of ppl recommend to app for an Amex revolver right after you get approved for a charge card...
Anywho, Amex is bomb!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 19
Established Contributor

Re: AMEX PRG Approval!!

Congrats!! Love me some Amex!!!

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 3 of 19
Valued Contributor

Re: AMEX PRG Approval!!

Congratulations!!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 4 of 19
Senior Contributor

Re: AMEX PRG Approval!!

Congrats x1000000 !!  If you can find out what your scores were upon getting approved (they can usually tell you), let us know!  i'm itching to apply for the Green and I'm in my mid 600s.  Enjoy the beautiful card & awesome company!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 5 of 19
New Contributor

Re: AMEX PRG Approval!!

I'm really curious what my score was. I hope they report it in the letter. The PRG is a really good fit for me right now cause I travel weekly for work. I have a company issued AMEX but I don't get any of those points. So I'm perfectly happy to charge on my own personal PRG and then get the reimbursements and the points!

 

 

Chase CSR 22,000 | Chase Freedom Unlimited 13,000 | Chase CSP 10,000| USAA Cash Back $7,000 | AA Silver Aviator Card $10,000 | AMEX Everyday $9,000 | Chase Freedom $3,000 | Capital One Cash Rewards $4,000 | Discover IT $4500 | Nordstrom Store Card $2000
Message 6 of 19
Established Contributor

Re: AMEX PRG Approval!!

Congrats!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 7 of 19
Established Contributor

Re: AMEX PRG Approval!!

Hi

 

I was approved for a PRG and a Delta Skymiles last week. Cards have already arrived. Because the PRG is a charge card and not paid over time, they didn't send me my credit score as there was no interest rate to disclose. My skymiles came with a credit score, my interest rate 19.4, if I choose to pay over time, Also applied for BCE, denied do to time with American express. Since it is the same day, i would apply for a revolver also, I applied for three cards, received 2 of 3, 1 credit inquiry only.

 

Also I had an american express card back in 1984, both my cards are dated "member since 84, so I should get 29 years credit history with each. I am so excited, and very excited for you too, best wishes.

 

Does anyone know if AE reports to all three bureau's?????





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 8 of 19
New Contributor

Re: AMEX PRG Approval!!

Congrats !!

Capital One Cash Rewards for New Comer: $1,500 (09/12), Local Credit Union: $1,500 (10/12), Chase Freedom: $1,500 (04/13), Discover IT: $2,100 (04/13), AMEX Gold Charge Card: NPSL (06/13), AMEX BCE: $6,000 (06/13), Chase United Explorer: $6,000 (10/13), Chase Ink Cash: $3,000 (10/13), Barclays Arrival Platinum: $3,000 (10/13), US Bank Flexperk Travel Rewards: $5,000 (01/14), Capital One Venture: $5,000 (01/14), Citi AA World MC: $6,500 (01/14),Citi AA Executive World Elite MC: $5,000 (01/14)
Message 9 of 19
New Contributor

Re: AMEX PRG Approval!!

Does anyone know if the Blue Cash Preferred has different underwriting standards from just Blue Cash?

Chase CSR 22,000 | Chase Freedom Unlimited 13,000 | Chase CSP 10,000| USAA Cash Back $7,000 | AA Silver Aviator Card $10,000 | AMEX Everyday $9,000 | Chase Freedom $3,000 | Capital One Cash Rewards $4,000 | Discover IT $4500 | Nordstrom Store Card $2000
Message 10 of 19