07-06-2013 07:43 PM
I applied and was approved for American Express PRG and gold Delta sky miles card on 7/4/13. My delta card was only for 1000.00 but hey its a start, I am assuming that my prg will be a NPSL, but won't know until it comes in the mail. I also applied for citi, chase,and discover, probably should have waited until AE reported. Once AE does report, will that open opportunities up with the other prime cards, such as those above? I have on my EXP credit report 1 pd tax lien, 2 pd judgements, 3 pd collections, and 3 pd chargeoffs. So I am very lucky to get my foot in the door. My income is 100,000+.
Can someone give me tips on what I can do to get the 3x limit at 60 days, I plan on using both, and paying off both in full each month. I am continuing to work on my utilization also.
on another note, over the past 3 years, I have probably applied for AE at least 6 times, always rejected, I also had 2 pd collections on the other small credit report(dont remember the name of company) that they pull from, but I am certain that they fell off this year. I heard if you had any badies on that report, that it was a definate no.
Just wanted to share my experience.
When does the 61 days start? The day I was approved? My deltaskymiles card is showing up on the website, It says "MEMBER SINCE 1984" Will both my cards have that date, since I had an Americn Express Gold back then?????? Does this add time to the AAOA????? Does American Express report to all three credit reporting agencies????? my old card doesn't show on TU, but still showson Exp, and Equfax.
07-06-2013 08:29 PM
07-07-2013 01:19 PM
I just checked my reports and discovered that Amex pulled from all three credit bureaus when I applied this week. I thought they only pulled from Experian?
07-07-2013 02:07 PM
07-07-2013 04:03 PM
Just wanted to let you know that American Express pulled Experian only once, no other CRA pulls. So I got two accounts with one pull, is this common???
Once American Express reports, will this open up more opportunities with other companies such as chase, I would really like a freedom card, but can't seem to get my foot in the door. Any idea's???
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.