Im looking to apply to apply for the Amex BCE card later this month.
Simulator says my FICO will be 725 after the balances I paid down post to bureaus.
AGE - 22 YEARS OLD
FICO - 725
AAOA - 1 YR 2 MONTHS
OLDEST ACCOUNT - 2 YEARS 2 MONTHS
INQUIRIES (EQUIFAX) - 6
OPEN LOANS - AUTO LOAN (22,000/22,000) JUST OPENED
INCOME - 30K
YEARS AT JOB - 1 YEAR 2 MONTHS
NO BAD MARKS AT ALL
I ALSO HAVE A PERSONAL LOAN OPEN FOR 3.5K ** HAS NOT YET POSTED TO THE BUREAUS**
I Live in New Jersey, I wonder what Bureau they will pull. Thanks for any info you guys can provide.
@Mario4 wrote:Im looking to apply to apply for the Amex BCE card later this month.
Simulator says my FICO will be 725 after the balances I paid down post to bureaus.
AGE - 22 YEARS OLD
FICO - 725
AAOA - 1 YR 2 MONTHS
OLDEST ACCOUNT - 2 YEARS 2 MONTHS
INQUIRIES (EQUIFAX) - 6
OPEN LOANS - AUTO LOAN (22,000/22,000) JUST OPENED
INCOME - 30K
YEARS AT JOB - 1 YEAR 2 MONTHS
NO BAD MARKS AT ALL
I ALSO HAVE A PERSONAL LOAN OPEN FOR 3.5K ** HAS NOT YET POSTED TO THE BUREAUS**
I Live in New Jersey, I wonder what Bureau they will pull. Thanks for any info you guys can provide.
AmEx has pulled EX for me, but it varies depending on the applicant. Some have been triple pulled when they applied for charge cards with 6 months or so of history, but I don't think that's a concern for you since you have a decent AAoA.
I think you'd get approved, but I would apply before the personal loan reports,
AmEx has pulled EX for me, but it varies depending on the applicant. Some have been triple pulled when they applied for charge cards with 6 months or so of history, but I don't think that's a concern for you since you have a decent AAoA.
I think you'd get approved, but I would apply before the personal loan reports,
Awesome. Thanks; My utilization is going to be at 1.22% so i'm sure they will like that my debt/credit is extremely low. As well as the fact i have consistent payments every month for all of my cards, so the payment history is definitely there.
Just hoping this personal loan doesnt post. I havent even seen the inquiry for it.
@sonic2120 wrote:I applied for my first Amex card, Amex EveryDay, a few days ago and was approved for $2000. I would have liked more but I'll be sure to try to 3x CLI in two months. My stats were as follows:
Age: 26
Credit scores: EX-727 EQ-684 TU-712
AAOA: 3 years 8 months
Inquiries: 1-2 depending on which bureau
Loans: Car (13,000/16,000) Student (29,000/32,000)
Income: Believe I put 80k. My salary is 68k but I'll likely bring in 90-100k this year.
Time at current job: 8 months
Bad marks: Account was 90 days past due in 2008 or 2009 so not sure it still affects much. 1 collection reported but I believe that was in 2007 or 2008.
Nice. If they approved you, I highly belive that you will get approved for the 3x. Income supports it and you dont have many inquriies. Your score will be a lot better once those collections and 90 days fall off. Thanks for sharing.
