08-29-2013 02:40 PM
Ex - 637
EQ - 630
TU - 635
Ex - 9
Eq - 4
TU - 9
PNC Visa 0/250
Discover IT 0/1200
Cap1 quicksilver 0/1000
one chase CO from 2008 -paid
one cap1 CO from 2088 - paid
some lates from 2009 for school loan
1 Paid Collection on each report from CBA - paid
no missed payments since 2009
really want to get my foot in the door with amex.
6 new accounts in the past 6 months.
08-29-2013 02:42 PM
YMMV but I would age some of those INQ's for at least 6 months
EX has a lot of INQ's and Amex pulls EX in most cases
08-29-2013 03:27 PM
I think the Chase accounts showing may hurt your chances. On the other hand nothing negative since 2009 is a positive.
08-29-2013 04:49 PM
Id say low but with scores like that and the 6 new accounts, 1 more INQ won't hurt you... You need to garden for 12 months rather you get amex or not... so go ahead and apply... but approved or denied... GARDEN after that!
08-29-2013 04:56 PM
although a charge card shouldnt be too hard to get, id get at least a 650 fico on EX before applying.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO