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Established Contributor
Posts: 527
Registered: ‎07-24-2014
0

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday


low62 wrote:

congrats  i have a ex score of 671 keep getting  turn down for a american express


 

What's on your report? There has to be something on your report that they don't like.  Do you have high utilization? 

Current Scores (05/17) - Equifax 501 - TransUnion 491 - Experian 487

$500
Established Member
Posts: 17
Registered: ‎02-11-2016

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

This is what I am NOT understanding.

I have such a weak credit report. Although I am greatful, I probably shouldn't be getting approved.

 

Last night I applied for the AmEx Gold Charge Card, and was approved for that as well. Somthing is definitely going on.

 

Have you ever had AmEx before?

Valued Member
Posts: 42
Registered: ‎01-24-2016

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

I saw your post and I did the prequal and it suggested those cards. I applied for both and was approved for 1,000 on each. My experian score is 645. No collections but I do have charge offs
Valued Member
Posts: 42
Registered: ‎01-24-2016
0

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

I did the prequal for my husband with higher scores and nothing came up
Established Member
Posts: 17
Registered: ‎02-11-2016

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

Congrats! It sure is a good feeling when the shock factor wears off Smiley Happy

 

This morning, I just posted that I applied for the Gold Charge Card, I was approved for that as well.

 

 

 

 

Established Member
Posts: 17
Registered: ‎02-11-2016
0

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

Dont be discouraged. Try the prequalifier another 30 days.

 

I tried back in Dec. and my scores were VERY similar to what they are now, there is still hope for your husband.

Valued Member
Posts: 42
Registered: ‎01-24-2016
0

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

Thank u. I would apply for that one too but I don't want too many pulls
Valued Contributor
Posts: 1,140
Registered: ‎01-19-2015

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

Very Nice!! Congrats on your approvals!!

AmexPlat(NPSL) AmexOpt (13.1k AU) Walmart(10k) Discover(8.5k) BB Visa(6k) Pier 1(5k) Kohls(3k) J Crew(2k) Amex Delta Gold(5k) Amex BCP(22k) BofA BBR(10k) BofA CR Siggy(15k) Barclaycard(5k) Venture WMC(10.25k) Chase FU(7k) Citi Diamond(5.5k) PenFed PCR(3K) Lowes(2K) NFCU VS Cash(5.5K) NFCU CLOC(5K)
FICO 8 Scores EX 710(15) EQ 678(13)TU 714(17) AAOA 3.0yrs TCL=142,850.00
Moderator
Posts: 13,478
Registered: ‎10-07-2014

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

Congrats on the 3 Amex approvals.  Moving from RYC to CC Approvals.

Valued Contributor
Posts: 1,122
Registered: ‎03-01-2016

Re: Low Credit Scores: Approved for both American Express Blue Cash and Everyday

Congratulations on your Amex approvals. Hopefully they will grow with you quickly and help you continue to boost your scores

State Farm Rewards (3,000) ~ Marvel MC (1,500) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (12,000)
Current Scores (6/8/17): 665 Transunion, 650 Equifax, 612 Experian

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