Do I have a chance with AmEx?

[SunriseEarth]

I got back in with a 672 on EX.   But you do have a lot of recent INQ.   You could always try for a charge card if you're trying to get back in with AMEX.  I decided just to go for my BCE and then go for a PRG if I didn't get instant approval, in the hopes of using the same HP.  As it turns out, I got my BCE. 

[Creditaddict]

Am exes big deal is possible 3x cli on sp's and backdating in future

[asulaw]

I got my Amex TE with a 639 EX Fico after seeing a mail in offer, for some reason I thought it was a pre-qual but it was just an invintation. Luckily I got accepted too.

[injustifiiable]

I dunno.

I got a PRG with a lower score and a few more baddies. My score was about 10 pts lower than yours. While I'm glad I'm in, I don't think I'll be able to get a revolver right away, at least it gives me time to work on my EX and grow it over the free year I have with the PRG.

You can always try for a charge card that's offering a free year, and then a revolver right after if approved to gauge where you are with them. At least your member date would be locked in.

[bk510]

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@norhplatter wrote:

I was able to get AMEX in January with Exp score of 641, which because of inquiries has dropped to 600.  I did the 60 cli and was turned down.  I called and asked for second consideration, turned down again.  Letter stated I didn't have enough credit history, pulled through transunion.  It also said my amount owed to CL was to high.  I am now disputing it because transunion says ON THE REPORT they have tracked me since 1976, and my actual utilization is about 1%.

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Is it just me or all the lenders seem to pull TU for all their card holders CLI's.....this includes barclay, IT, Boa, with the exception of Cap1(EQ).

[bk510]

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@SunriseEarth wrote:

I got back in with a 672 on EX.   But you do have a lot of recent INQ.   You could always try for a charge card if you're trying to get back in with AMEX.  I decided just to go for my BCE and then go for a PRG if I didn't get instant approval, in the hopes of using the same HP.  As it turns out, I got my BCE. 

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I used to have my foot in the door with AMEX, but later I broke my foot while I was in it........via BK, lol.

God knows I wanna get back in with them. But every1 is telling me that, I gotta wait at least 6,7 yrs (if I'm lucky)

[takeshi74]

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@Jon85 wrote:

I have one paid judgement from 2008, no collections, but several 90-120+ lates from 5 SLs that were last reported in 1/2012 before they were all rehabbed. No lates on anything since. 

Should I just wait another year or so?

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I'd suggest addressing those derogs first versus just relying on time.  Visit the Rebuilding subforum.

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@Jon85 wrote: 

Also, do they recon?

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Generally only if there's incorrect data involved.

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@navistar wrote:

what is the big deal about amex?

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"Big deal" is subjective.  Review their products and see if any are suited to you versus relying on hype.  Or be very clear on what you need/want if you want recommendations.

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@bk510 wrote:

Is it just me or all the lenders seem to pull TU for all their card holders CLI's.....

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It's misplaced causality.  The CRA(s) pulled depend on the creditor and the region.  I've had plenty that didn't pull TU.

[ACsteel]

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@navistar wrote:

what is the big deal about amex?

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IMO absolutely nothing, closed all my AMEX accounts last year.

[Airforcekid]

I was instantly approved for a blue card with about the same stats quite a few more HPs though.