10-19-2010 09:37 PM
So I used to have an AMEX card for a brief time back in '01. Then I made some knucklehead mistakes and ruined my credit. In the past I have tried the site and didn't get any offers. So I pulled an experian report and noticed that my report is now clean. So just for kicks I plugged in my info and it congratulated me and said I was pre-selected for the gold, Green & Zinc.
What are the odds that the site is correct and Amex approves me for a green card?
Oh i applied in March for one of the Blue cards and was declined, but my lates were still on my report at the time
10-19-2010 10:16 PM
You have a descent chance if you got a pre approval from there site. Its not a guarantee though. If you burned amex in the past and never settled with them that will keep you from getting approved. Theyve got a great memory when it comes to that. If you had issues and paid them back Id say go for it. If you never took care of your past issue and it has just aged off your report chances are youll be denied again.
10-20-2010 04:04 AM
If you are really interested in trying to get back with Amex I would say go for it as you will probably always be thinking in the back of your mind what about if I could have had a cc, all I can say from my experience I tried many times at the pre-selected site an it was a flat out no offer then one night I tried again and there it was to my surprise an offer for the green or gold card last October, I hit the trigger applied for the green and Bam approved for that card. To top if off still had three baddies on ex, 2 paid, one stating sold to another lender. Now at this time I have the premier gold. Good Luck in what you decide to do.
10-20-2010 05:19 AM
10-20-2010 10:38 AM
Do they soft pull or hard pull for the pre approval site?
soft, until you agree to actually apply for credit they can't do hard.
10-20-2010 11:57 AM - edited 10-20-2010 11:58 AM
What are your baddies kal? With 700 plus scores you're a good candidate for Zync or Green. I have low 700's with 3 baddies and was approved for Gold, Green and Zync. I grabbed Zync and got 10,000 points and plan to PC to Gold Premier next year. Maybe Platinum :-)
10-20-2010 11:58 AM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.