AMEX APPROVAL REQUIREMENT?

[injustifiiable]

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@ljohn27 wrote:

Okay so all 3 CRA's has removed the tax lien but sadly I didn't get the bump I was expecting from TU and EX. Below are the results:

         Before/After tax removals

FICO EQ:   672/719

FICO TU:    666/666 (I do still have a medical judgement lien from 2010 on TU. Status is: Paid/Satisfied 8/2011. Also showing 8 Inqs affecting score but s/b 4 because 1/2 were 2013 card loan apps submitted the same day. Not sure why TU FICO method is not the same as EX and EQ when counting INQ. They should not count after July 2013. What's weird is I refinanced my car with my credit union Feb 2014 -they did a lender pull which was 703 for TU. Not sure if it was an auto enhanced or something else but it was way higher than FICO or FAKO scores I'm seeing now.

FICO EX:    681/693

So back to my original question: with my scores now at EQ719/EX693/TU666....should I wait  or try AMEX now? Not sure if they approve apps in the 600's.  

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My EX was 662 according to them...I was able to get a charge card at least, but they considered that too low for a revolver. You can try for both on the same day and it would be one pull...Charge card first, then a revolver after the charge card approval (the Delta one is one of the "easier" ones to get).

Try that...

[ljohn27]

Thanks injustifiable -

Can you let me know when you applied and what your score was when you applied. Which card did they give you? Did you apply online or call in?

Which cards did they approve you for?

[TVP125]

I was approved for the Gold last week with an EX of 647, I think you have a shot.. 

[ljohn27]

APPROVED - for the Premier Rewards Gold Card!!!!!!! YES, YES, YES!

I have a Corporate Green card that has excellent standing since 2/2006. Will Amex backdate my membership with them? Will that be reflected on my credit report? If so, will it help my score?