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
11-26-2012 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.
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