01-08-2013 08:17 PM
I would think with Amex, as long as your willing to pay that annual fee, they would give you a NPSL, but cap it at like $1000.
01-08-2013 09:11 PM
Yeah, its fine for equifax and transunion, but for some reason experian mess it up. Also, I hated when I have to call the credit bureau because those people arent so nice.
01-14-2013 04:46 PM
Finally, after waiting 5 business days, they approved me. I'm officially a member of the Amex family. Wasn't expecting much since I'm only 19 and I only have 9-10 months of credit history. The funny thing is I applied for chase freedom, BoA Cash Back student, and Capital one journey in October and got denied for all of them. However, since Dec and Jan came around I decided to try again. I applied for citi forward, Discover it, cap1 journey, and Amex green. Got approved for all of them, then I find out about the errors on my experian report when amex pull it, so I correct it right away. Actually, cap1 pull EX the first time, which is probably why they denied me. The second time they pull transunion, like citi, and discover, which got approved. The first report Amex pull was EX, and the letter I got shows that my fico was 658, but after correcting my report. Its now a 717 on creditsesame, so Idk. One thing I'm sure is from now on I'm pulling my report at least twice a year to verified my info and I suggest everyone who just started building credit to do so, at least for the first few years. Make sure everything is correct like name, SS, and DOB.
01-14-2013 04:50 PM
Congrats, but know the score from Credit Sesame is a FAKO score, and not a real FICO score.
Your real score could be much higher, or even perhaps lower.
01-15-2013 08:20 AM
Yes, I do know its a Fako score, do you know a good place to get fico score cheap or even free?
Yeah, get a Walmart card and they will give you your score every month! Not your report, but just your score and some indicators about it.