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Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

I guess one of the charge cards would be the easiest to get.

SIlver:

Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

I have some 60 day lates. That will fall off this fall and some state tax liens from 2005 that were paid in 09

SIlver:

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Amex


Stonemanmv wrote:
I guess one of the charge cards would be the easiest to get.

Your score are good for a charge and if approved App any revolver you wish minutes later. I did it yesterday YMMV tho

Good Luck should you app 

If you are monitoring your CR if they pull a HP your not on the list if they don't pull Amex long memory is in effect

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Amex


Stonemanmv wrote:
I have some 60 day lates. That will fall off this fall and some state tax liens from 2005 that were paid in 09

How old are the lates?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

Oct, nov, dec in 2006 ran into some trouble. They should fall off late this year. Maybe I need to garden for a while

SIlver:

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Amex


Stonemanmv wrote:
Oct, nov, dec in 2006 ran into some trouble. They should fall off late this year. Maybe I need to garden for a while

Amex is a picky lender IMHO what's a few months for CR to clear up you have come so far and I think you have done well. and have a good shot baring blacklisted

The old saying better safe than sorry wait a little longer for better chances just my 2 cents tho

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

I think that's a god plan. I'll garden til next year. I'm wondering how many points ill lose when my mortgage hit Eq and tu. I lost 40 points in Eq for new cc and utL going from 3% to 16% what gives

SIlver:

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Amex


Stonemanmv wrote:
I think that's a god plan. I'll garden til next year. I'm wondering how many points ill lose when my mortgage hit Eq and tu. I lost 40 points in Eq for new cc and utL going from 3% to 16% what gives

You may gain points depends on if you have a thick credit file 

Thin files usually suffer 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

Oldest acc 10.6 years. AAoA 3.5 years

SIlver:

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

Re: Amex

I think you will be fine and probably see an increase and the plus is by the time your ready to leave the garden scores will be even better IMHO

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

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