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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: AMEX Approval Scores


Juan123 wrote:

screw amex. denied 3 times on the zync card,  first time my EX score was 642, 2nd time 678 3rd time 697

 

All three times my Util was below 10% and they stated that as one of the reasons, the other 2 reasons were too many INQ's (3 out of 7 being amex >_<) and high balance on installment loan (which is a student loan on deferrment)

 

Grrrr.. i'm not applying till atleast july.. maybe a bday present for myself


This next time will be my 3rd try...............no student loans but my EX FICO should be at 710 or higher. I have 14 INQ's last 2 were from AMEX.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
payingoffdebt001
Posts: 406
Registered: ‎04-15-2011

Re: AMEX Approval Scores


Juan123 wrote:

screw amex. denied 3 times on the zync card,  first time my EX score was 642, 2nd time 678 3rd time 697

 

All three times my Util was below 10% and they stated that as one of the reasons, the other 2 reasons were too many INQ's (3 out of 7 being amex >_<) and high balance on installment loan (which is a student loan on deferrment)

 

Grrrr.. i'm not applying till atleast july.. maybe a bday present for myself


AWE MAN!! Wish you had posted this before I pulled the trigger - my scores are lower for sure and I have like 13 inquiries on experian.  OH well..guess I need a big flat denial to bring back to reality that I belong in the garden! lol 

Established Contributor
Cdnewmanpac
Posts: 767
Registered: ‎01-16-2012

Re: AMEX Approval Scores

I know op was looking for people approved for revolvers, but thought i would add anyway: approved Friday for zync, over phone, instant approval. Haven't seen my ex fico in over a year, but plus is 699. 3 Inq, 1 from 3/11(final underwriting for mortgage), 2 from 12/11 ( cap 1, chase). 5 cards (thought first prem was reporting as closed, but I was wrong), 1% util, AAoA 5 yrs 10 mos. 3 co from 2007 (06 dfd), 1 settled collection 1/11 (from one of the co), 1 Perkins loan with major derogatories, since pif. 14 other trade lines with no negatives. No late payments since 07. Dti 28%, income >100k. Hope this helps. Oh, and I never got any offers (including their web preapproval site).
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010

Re: AMEX Approval Scores

DECLINED!!!!! LOL, Teletrack AGAIN,

 

Its funy thought my last 6 inqs are al AMEX,

 

But I did get my complimentry FICO score 732. :smileyvery-happy:

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Regular Contributor
hateAshbury
Posts: 131
Registered: ‎11-14-2011

Re: AMEX Approval Scores

sucks, dood

732 is a good score


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: AMEX Approval Scores

Nice , this thread is heating up.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: AMEX Approval Scores

This thread welcomes all Amex app experiences, charge cards and revolvers
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Contributor
xboxrunner
Posts: 139
Registered: ‎05-30-2011

Re: AMEX Approval Scores

I was approved for my Amex Green with a 610 EX. I did however receive a Pre-Selected offer in the mail. Fast forward to a month ago, I had to recon, but was approved for a Amex BCE with a 722 EX fico.


Experian (CreditSesame)- 821 (7/2/14), 761 (Citi-4/26/13), 821 (Credit.com-7/2/2014)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 789 (7/2/14)
Vantagescore (Credit Karma)- 894 (7/2/14)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: AMEX Approval Scores


minimock wrote:

DECLINED!!!!! LOL, Teletrack AGAIN,

 

Its funy thought my last 6 inqs are al AMEX,

 

But I did get my complimentry FICO score 732. :smileyvery-happy:


Have you tried resolving whatever teletrack item they are talking about???




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: AMEX Approval Scores

610 and approved for a green? Wow. Did you have any negs at the time?
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12

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