I got in with Amex and my score was in your score range with 1 collection and a bunch of lates. However, I applied after I saw the preapproval on their site, you might want to check there. Every profile is different tho. And yes they do pull Experian.
@Anonymous wrote:Experian has the AU account from Macy's reported from December 2015 with a balance of $1,803 and a credit limit of $5300 making a 34% utilization ratio. The actual balance reported on the last statement is $1,294 and the actual credit limit on the card is $7000 so the actual utilization ratio is around 18% but they haven't updated with experian since december 2015 unfortunately.
I've had this card in the past, but downgraded when my road warrior days were finished. Since you're dealing with a "damaged" history, and one functioning AU, I'd question if you're willing to pay $195 for a card, if approved, that might just give you $1k, which I don't see them approving at all IMO. That card is designed for heavy spend/travel, and I don't know your details enough to really give more insight.
Try the prequal, app for delta gold if you're willing to burn a HP. Knowing your current scores would be helpful too, along with the age of the AU account. The judgements are definitely a killer.
*edit: just noticed your ex score. My bad....
@Anonymous wrote:The AU account is from 1994
What about the judgements?
I got the Gold with an EX score of 687, score provided by AMEX this past Sunday. A ton of inquiries on EX and a lot of new accounts in the past year. No negative info on EX though.
AU:
