Credit Card Center Advertiser Disclosure†
10-05-2011 10:44 PM
10-05-2011 11:02 PM
10-05-2011 11:14 PM
I think it will be difficult for you to get the AMEX green. You are currently in re-build mode and AMEX is a prime card.
Your wife may have a shot. If she gets approved, she then can add you as an authorized user.
Since her scores were pulled 1.5 years ago, I would personally get an updated report and score before applying.
You can get free scores at creditkarma.com and creditsesame.com. They are not true FICO scores, but I have found that the scores they provide are pretty close to my own FICO scores (they are actually lower). But at least you get some idea.
I believe that AMEX will pull from Experian.
You can get a FREE credit report at annualcreditreport.com
Just check to see what her current score is. We will get a better idea.
Does she have any baddies at all on her report?
10-05-2011 11:34 PM
you can also check out whogavemecredit.com
It is a site that you can check to see who got approved for the card, including their credit scores, income and other comments. I see some on there approved with lower 600 scores. AMEX has their own internal scoring system. They look at many factors, not just FICO scores. I know I personally was not worthy of AMEX for a long time.
Any luck with the pre-approval site? Their charge cards are easier to get than their credit cards. My 19 year old has a Zync card. Her score is around 712, but she has only a 7 month credit history. Had a 4 month history when she applied. Even though her file is thin, it is clean.
It sounds like your wife can get approved. She has no defaults, decent score. I'm hoping someone else will chime in on your own personal score.
However, as indicated, if your wife gets approved, she can add you as AU so all would not be lost.
Has either you or your wife ever carried AMEX in the past? It could help scores with backdating as well.
10-05-2011 11:44 PM
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.