Credit Card Center Advertiser Disclosure

Posts: 17
Registered: ‎01-20-2009
0 Kudos

Re: Amex BCP 61 Day CLI Approved

bichonmom wrote:

Credit profile means your FICO score, any baddies, your AAoA (average age of accts), other CCs, utilization %, etc. it helps others to know how they might do when we can compare our credit stats to someone who was successful. 


I don't check my FICO scores that often (I pull my free annual credit reports, one every four months).  The last time I checked my scores through My FICO was four years ago, and they were 837 (Experian), 812 (Equifax), and 788 (Transunion).  When I was a teenager (over 30 years ago), my parents added me as a user on one of their credit cards (that was opened in 1967).  That card is included on my Experian credit report (but not on the other two), which is one reason that score is so high.


I don't have any baddies.


My oldest account (not counting the 1967 card mentioned above) was a credit card opened in 1991.  My most recent (not including my new Amex) is my mortgage (opened in 2005).

I had two credit cards (Visa and MC) prior to opening the Amex.  I don't have department store or gas cards, and I don't have auto loans (I buy cars very infrequently and pay cash).


My utilization is very low.  I charge a total of $2,000 per month or less and pay the balance in full every month.


I hope that helps others on here.  Also, I want to give everyone on this board a big "thank you."  I hadn't heard of the 61 day CLI untill reading about it here.  I never would have known to call otherwise.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.