11-25-2012 07:23 PM
They pull Experian. If your file is borderline, they might pull one or both of EQ and TU.
I don't know what their minimum score is. It would be hard to say. Not all scores are created equal. A person with very little history could have a 700 score and may still be denied. A person with a lot of history, no recent negatives, and a 680 score might get approved. Check out whogavemecredit and see if there is any info there.
If I had to guess, all else being equal, I'd say 680 is probably pretty safe. Generally, they don't like to see lates within the past 2 years.
11-25-2012 07:26 PM
Maybe list out your credit file and we work from there.
11-25-2012 08:07 PM
11-25-2012 08:34 PM
AMEX pulls EX all the time for me. I seen on here that 650+ could get you in, but YMMV. Have you tried the pre approval site?
11-26-2012 12:37 AM
people have gotten in as low as 620's but not common, probably had a solid credit file but with few derogs like medical collections. Amex doesn't seem to take medical collections as seriously as other banks.
11-26-2012 01:21 AM
like the guy said, try the pre-approval site ..it works, I got to choose between 3 card ...zync ,green and gold... no hard pull .....just your last 4 numbers of your s.s and name. My gold card was in my hand in 6 days
11-26-2012 07:21 AM
With AMEX income is a big factor if you are making north of 40k a year your chances are better, and since charge cards are only 1 month loans they have very low credit requirements, if you have good income and have a 650 or higher fico and a year of credit history with no recent baddies, you stand a good chance.
11-26-2012 07:23 AM
it's honestly a horrible site, I would go to creditboards credit pull database since it's more accurate since most people who post there know the difference between Fico and Fako. whogavemecredit i suspect is mostly fako.
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.