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.
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