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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Is this what I was waiting for? (AMEX offer?)

I just got the following in my email inbox.  Is this a honest to goodness offer from AMEX for me to join or is it just a normal spam email?  I was hoping to receive an offer as my EX is probably around 650 (the magic number the CSR @ AMEX told me I needed to get to be eligible) 

 

So am I in like Flynn?

 

Amex.JPG



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 554
Registered: ‎06-02-2012
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Re: Is this what I was waiting for? (AMEX offer?)

Go to Amex pre approval site and see if its there for you
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Is this what I was waiting for? (AMEX offer?)

Site says no existing offers.  I literally just got that email.  I hope its a valid offer but not sure.  Guess I could call them and see?  (I'm not planning on apping for AMEX until September as that would be 6 months from my denial).

 

Suggestions?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator
Posts: 9,674
Registered: ‎01-28-2010
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Re: Is this what I was waiting for? (AMEX offer?)

 

Even if it was a pre~approval it is not a guarantee of approval.   Pre~approvals are just invitations sent out to targeted groups/demographics ~ it will still come down to your CR and application info like income, etc...

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Is this what I was waiting for? (AMEX offer?)


pizzadude wrote:

 

Even if it was a pre~approval it is not a guarantee of approval.   Pre~approvals are just invitations sent out to targeted groups/demographics ~ it will still come down to your CR and application info like income, etc...



True.  But its such a positive step in right direction for me.  Ive raised my scores at least 110 points (waiting on some baddies to be processed for deletion on EQ and TU).  Before I started rebuild, they would have laughed at me.  The only thing holding me back is my credit score.  I'm a professional who owns my house, has six figure income, been at job for 3 years and previous job was 5+ years, etc.

 

I'm still going to wait till September but It gives me positive reinforcement.  (Needed some after dealing with Sallie Mae, Cap1 and Verizon!)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Regular Contributor
Posts: 121
Registered: ‎01-10-2012
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Re: Is this what I was waiting for? (AMEX offer?)

FYI, you can look at the bottom of the e-mail to know if it's a pre-approval e-mail or a generic offer. It would like like this, which I recently received:

 

Photobucket

Starting scores: Around 630 (Sep 2011)
Current FICO scores: TU ‘08 792 (Walmart) • EQ 765 • EX 771 (Amex)
Prime cards: JP Morgan Select (30K) • HHonors Reserve (30K) • Chase United MileagePlus Explorer (20K) • Chase Sapphire Preferred (20K) • Amex Hilton Honors Surpass (20K) • Amex BCP (20K) • Barclay Ring (20K) • Citi Thank You Premier MC/Visa (16K Combined) • Discover Escape (10K) • Amex SPG (5K) • Amex Premier Rewards Gold • US Bank Cash+ (5K+???)
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Is this what I was waiting for? (AMEX offer?)

Damn. Didn't have that at bottom. Bubble a little bit busted but still step in right direction.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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Re: Is this what I was waiting for? (AMEX offer?)

Most likely a generic email offer.  They don't send pre-approved offers via email generally as that would require a soft pull from credit bureaus.  Credit bureaus don't store email addresses on credit report.  So how would they know that your "pre-approved" offer is going to the right person.

               LIMITS IN CARD DESCRIPTIONS
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Is this what I was waiting for? (AMEX offer?)

I signed up for emails at Amex site so they can in fact match my soft pull inquiry with my email address.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,896
Registered: ‎03-30-2012
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Re: Is this what I was waiting for? (AMEX offer?)

Can you check your report for a soft pull, maybe?

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550

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