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Regular Contributor
Posts: 137
Registered: ‎09-10-2012
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Approved for Amex premier rewards gold

Finally.

yesterday i finally hit 6 months credit history reported on my Experian report

and gave it a shot and was instantly approved.

 

2 days ago I also got my first TU Walmart FICO and was on 714

 

my next step is buying a car. Will I be ok on a car loan in 2 months?


Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770


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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Approved for Amex premier rewards gold

Congrats on your approval, that's great!
Nice TU score as well.

As for the car loan, are you a member of a credit union?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Approved for Amex premier rewards gold


pat0812 wrote:

Finally.

yesterday i finally hit 6 months credit history reported on my Experian report

and gave it a shot and was instantly approved.

 

2 days ago I also got my first TU Walmart FICO and was on 714

 

my next step is buying a car. Will I be ok on a car loan in 2 months?


That's awesome congratulations! 

Car loans are a totally different animal... they usually use an auto enhanced FICO, rather than a regular FICO.   You would probably get a better rate from a credit union based off of your real FICO than your auto enhanced one, unless you have some installment history on your report (student loans don't typically count).

 

To learn more about Auto enhanced Fico scores,  please check out this very informative thread by fused:

 

http://ficoforums.myfico.com/t5/Auto-Loans/FICO-Auto-Enhanced-Scores/td-p/228198

 

 

Again, Congrats on the approval, and good luck!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: Approved for Amex premier rewards gold

with only 6 months of credit history you got a Amex gold??great job! did you have any AU on your report?


pat0812 wrote:

Finally.

yesterday i finally hit 6 months credit history reported on my Experian report

and gave it a shot and was instantly approved.

 

2 days ago I also got my first TU Walmart FICO and was on 714

 

my next step is buying a car. Will I be ok on a car loan in 2 months?


 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Approved for Amex premier rewards gold

CongratCongrat


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 202
Registered: ‎11-04-2012
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Re: Approved for Amex premier rewards gold

Contests.
Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Regular Contributor
Posts: 202
Registered: ‎11-04-2012
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Re: Approved for Amex premier rewards gold

Congrats*
Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Regular Contributor
Posts: 137
Registered: ‎09-10-2012
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Re: Approved for Amex premier rewards gold

I wasn't AU never

just started my credit 6 months ago

 

i joined DCU credit union already so I'm wondering

if I could get in 2 months a loan with them?

what is considered a good rate ? 


Starting Score: EX 734 TU 749
Current Score: EX 734 TU 749
Goal Score: EX 766 TU 770


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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Approved for Amex premier rewards gold

DCU has very high member reviews for their Auto Loans program, and their rates are at 1.99%, which are great! 

 

I think you should use them for your auto needs.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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MyFICO Fitness Goal: 800s Club!



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Posts: 55
Registered: ‎10-10-2012
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Re: Approved for Amex premier rewards gold

pat0812,

 

What are you stats and what CRA did they use?  I want to get my foot in the door with Amex and don't know what charge card I should app for yet.

April 2013 FICO Scores
Experian - 709 Chase Freedom Pull
Equifax - 788 BofA MLB Rewards Pull
Trans Union - 778 (GE Money Bank CLI scores)

In the Garden until at least 2014 to let the new accounts age and HP's fall off. 800 club here I come...
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