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Past 6 months last AMEX-I so want to app!!

Valued Contributor

Re: Past 6 months last AMEX-I so want to app!!


LionLaw wrote:

Why are you waiting until November?  Will your scores be significantly higher then?  Unless you're crossing some major milestone (e.g. a negative item aging a year) between now and then, I think your app is as strong now as it would be in November.


My current cc's will be 6 months old, it will be two more months removed from most recent late, 2 extra months using prepaid card (for whats that worth), 3k paid towards loans and it gives me 2 extra months to try to GW some baddies.  But, your basically right...Ive kind of done all I can right now with my report (sans a miracle with removing some lates).  Im not sure if my application would be any stronger in November.



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
Message 11 of 13
New Contributor

Re: Past 6 months last AMEX-I so want to app!!

I think lower balance on loans with more time on current Ontime payments ? Plus if you can GW something ? 

 

You may have a shot now but be stuck at 500 or 1000 limit ?

 

 






Message 12 of 13
Valued Contributor

Re: Past 6 months last AMEX-I so want to app!!

I think if I have to get LOC for home repairs then I'll app.  IF I dont have to get LOC then I'll wait.  I have 3 more contractors coming by house this afternoon (if they actually show up).



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
Message 13 of 13