Amex Delta ( Updated )

[nicholasyud]

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@distantarray wrote:

so no more baddies ? and your scores didn't go up? that's really weird when I got my last two collections removed my scores went up 100+ points lmao

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as of in my signature there is still 2 charge off account in 2008 that show $0 balance and never paid..............maybe thats the reason holding my score backk............

[twelfthjoe2]

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@nicholasyud wrote:

I think apply for Amex Delta . Does anyone had succesful approved with 662 Fico score ??

Everything on my signature and i finally got the last collection removed from my report.

Had 2 charge off show in March 2008 DOFD. Never paid.......
I lived in Florida and wonder what CRA they pulls also ??????

Any had succesful approved with those score ???? Please share your experience.........

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From what you said I would try for the Green Charge card and then if you get that you could try for the Delta. Even though you don’t want one it's a good starting point with them and if they turn you down for the Delta you can use the green card and show them your a good card member. The charge cards have lower underwriting. 662 is a little low for a credit card from them. With two charge offs I would try the charge card first.

[distantarray]

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@nicholasyud wrote:

as of in my signature there is still 2 charge off account in 2008 that show $0 balance and never paid..............maybe thats the reason holding my score backk............

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If they report a $0 balance that means the account was sold off, and Midland is NOT an original creditor, they can NOT sell off a debt and still retain the information on the credit reports.

I would file disputes with the CFPB consumer finance protection bureau. it's a new program and tool that came out for the public to use to fight credit reporting problems. They don't deal with collections agencies, but they can give a good solid slap to Equifax   Experian and Transunion and the original creditors.

[nicholasyud]

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@twelfthjoe2 wrote:

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From what you said I would try for the Green Charge card and then if you get that you could try for the Delta. Even tho you dont want one it's a good starting point with them and if they turn you down for the Delta you can use the green card and show them your a good cardmember. The charge cards have lower undwerwriting. 662 is a little low for a credit card from them.

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i had think about it too but really im in my rebuilding mode and really dont want to apps for so many apps.........maybe 2 or 3 gonna be good for me...........

Maybe later in another time but i really want to build relationship with them thou.........The charge cards had some minium speding or its NSPL something ???

[twelfthjoe2]

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@nicholasyud wrote:

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@twelfthjoe2 wrote:

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From what you said I would try for the Green Charge card and then if you get that you could try for the Delta. Even tho you dont want one it's a good starting point with them and if they turn you down for the Delta you can use the green card and show them your a good cardmember. The charge cards have lower undwerwriting. 662 is a little low for a credit card from them.

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i had think about it too but really im in my rebuilding mode and really dont want to apps for so many apps.........maybe 2 or 3 gonna be good for me...........

Maybe later in another time but i really want to build relationship with them thou.........The charge cards had some minium speding or its NSPL something ???

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The charge cards have NPSL and if your approved for the green card you can apply for the Delta right away and not get a 2nd HP. They can both be done with one HP.

[distantarray]

charge cards are NSPL but usually has a hidden limit in there just flexible

[youngandcreditwrthy]

Eh. I' d just app for what you want. I hate the idea of wasting an app for a card you don't want. Buuuuut your approval seems more likely with a charge card...or... You could wait til you get to 680 then app for Delta. But there was an op that said their dad got a delta amex with a 666 score, right?!
Just do it!!

[nicholasyud]

I guess I should play safe........hmmmmmmm.........don't know. Maybe I'm go crazy about it.........hmmmm depend on my feeling ......we"ll see lol......wish me luck if I doooooooo

[Repo-ed]

I just app'd and was instantly approved for the Delta Skymiles Gold with a TU of nearly 700 and an EQ of 659 (will find out what my EX is once the card arrives)

I was approved for the Zync w/ NPSL with FICOs in the 650s

[amercnchopz34]

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@Repo-ed wrote:

I just app'd and was instantly approved for the Delta Skymiles Gold with a TU of nearly 700 and an EQ of 659 (will find out what my EX is once the card arrives)

I was approved for the Zync w/ NPSL with FICOs in the 650s

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congrats on approval..