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Desperately Seeking the Delta SkyMiles AMEX (Newb Alert)

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LS2982
Mega Contributor

Re: Desperately Seeking the Delta SkyMiles AMEX (Newb Alert)


@nickf4rr wrote:

I was thinking about that--the common consensus is that it can't hurt.  I've been doing some research into how exactly this is done, it's a concept I wasn't even aware of until today!

 

However, doesn't AMEX keep everything on file going wayback with EX anyway?


Unless you've burned AMEX in a BK and your blacklisted no. They are going off current EX file info.




EQ FICO 548 3/3/16
Message 11 of 14
nickf4rr
Established Member

Re: Desperately Seeking the Delta SkyMiles AMEX (Newb Alert)

Seriously?  Even if AMEX is my last HP--they don't keep that?

 

I remember reading somewhere here that there's some kind of special relaitonship they have with EX where they get more data, including baddies that fall off....

Starting Score: 621 TU
Current Score: 621 TU
Goal Score: 700


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Message 12 of 14
webhopper
Moderator Emeritus

Re: Desperately Seeking the Delta SkyMiles AMEX (Newb Alert)

I would take that with a grain of salt. Amex approved me with baddies reporting. My file is very thick though... I have over 40 tradelines.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 13 of 14
youngandcreditwrthy
Senior Contributor

Re: Desperately Seeking the Delta SkyMiles AMEX (Newb Alert)

Amex is weird...
Saw someone get denied with a 720-740 FICO the other day,
But then another poster got a BCE I think with a 650-690 across the board....

Personally, I got approved with a 696 TU FICO.
Your situation seems similar to mine...
Lower score, but higher income....
I'd say go for it but heh... Amex is a mixed bag.
I def'ly think you'd get triple pulled like I did... Every CB gets pulled. Heh
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 14
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