Applying for Amex after Settlement

[ryox03]

Has anybody had any success with this? I defaulted on mine in 2009 and recenetly paid back a settlement plan. When I go online to apply I never make it to a form. It asks me to log in and then I get an error that my profile doesn't have sufficient information and hit ok to apply. Then it takes me to a screen that says the offer is unavailable.

[Anonymous]

If you have settled what was owned, you should be able to get back in with them.  But if those are your current FICOs listed in your signature, I urge you to wait a bit until your profile improves....

[ojefferyo]

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@ryox03 wrote:

Has anybody had any success with this? I defaulted on mine in 2009 and recenetly paid back a settlement plan. When I go online to apply I never make it to a form. It asks me to log in and then I get an error that my profile doesn't have sufficient information and hit ok to apply. Then it takes me to a screen that says the offer is unavailable.

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How long ago did you pay them back? If recently you're most likely gonna have to wait awhile. Your EX is on the low side even for the Delta card

[Anonymous]

I paid in settlement and got approved approximately 2 weeks after my CR updated. YMMV.

Wait for your EX score to hit at least 660, however, before applying.

[ryox03]

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@Anonymous wrote:

I paid in settlement and got approved approximately 2 weeks after my CR updated. YMMV.

Wait for your EX score to hit at least 660, however, before applying.

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Very strange. I just applied for a personal loan with SoFi and they noted my EX score as 671. Wonder what Fico version that is. 

Regardless, I can't even get to the point to fill out the application on their site, lol. I can wait it out 6 months to a year. I am "rebuilding", but I am only applying for cards I am actually going to use. After Amex and Discover IT I think I will be done.