09-07-2010 08:20 AM
I was wondering have people been geeting approved for the Amex Zync card with any baddies on their report? Exeperian I guess is the Amex Choice. I have 4 baddies on my report and a paid tax lien, my score is around 680 now according to Truecredit new update. I have 3 cards since 07 with all good history and no inquiries on EX. My EQ and TU have no baddies only 2 30 lates from 2 yrs ago. Just wondering if I had a possiblity getting an AMEX Zync, it seems according to the posts here that it is the easiest to qualify for? Any help would be greatly appreciated.
Or any suggestions for High CL's for TU or EQ only pulls TU Score 686 and EQ is 705 according to Truecredit update as of today.
09-07-2010 08:23 AM
I have heard some poeple getting in with a couple baddies, but your tax lien might be a problem. Are all the baddies paid and how old are they? that might just make the difference. and with no current Inq, you don't have much to loose by applying
09-07-2010 08:29 AM
two are paid and teo are not because Im disputng them they are for rental cars that the insurance company was suppose to pay when a drunk driver totaled my car and his insurance left a balance on 119.00 on hertz that went to collections and another with enterprise for 900.00 I get hit by a drunk driver and lost everything credit suffered and I didnt know the balances werent paid when i returned the cars I had already settled and didnt know till a year and a half later. I have disputed twice but came back verified. I have 2 inquiries on TU and no collections and 2 inquiries on eq with 1 collection. Do you think I could qualify for that Nationwide card or a Barclay card? The paid tax lien only shows on the EX report it was removed by the other 2 still working on getting it removed from EX. Thanks
09-07-2010 08:33 AM
Not sure of Nationwide because they don't seem to have any rime or reason when they approve vs deny, but you should be good with Barclays, they only pull TU and if you get declined you can talk with underwriting direct and many have had good luck with that. The only problem with amex I would see is the unpaid, if they were all paid I would say you probably have a good chance... have you checked amex pre-approval to see if they are offering you anything?
09-07-2010 08:38 AM
I forgot to add I have
FP 300.00 no balance opened 9/07
FP 200.oo no balance opened 5/08
Macys 750.00 balance 432.00 just did school shopping!! will pay off this month opened 02/09
CU 1000.00 no balance opened 02/09
CU 1200.00 secured loaned opened 02/09/ paid off 11/09
CU 1200.00 unsecured loaned opened 11/09 paid 08/10
CU 4000.00 loan opened 08/10
cash yes card 750 limit opened 02/08 paid no lates closed
several student loans all current
salute visa 450.00 limit paid closed 1 30 late 09/08
imagine visa 03/07 350.00 limit paid closed 1 30 late 09/08
09-07-2010 08:41 AM
I have tried Amex and Cap 1 preapprovals but says nothing I believe its because I have fraud alerts and credit freezes on all three reports I had my ID stolen in 07 and in Ohio they use to put your social on them they raped my credit but I got everything fixed though it took 2 yrs. I was going to lift the freezes when I decided to apply.
09-07-2010 10:30 AM
dude.. u got hit by drunk drivers 2 separate times in 2 different rental cars??? jeez man did u walk under a ladder or something?
09-07-2010 11:20 AM
No I got a rental twice because of the same drunk driver, I had the first rental for 30days because it took them that long to tell me it was totaled I bought the truck brand new in 2007and I only had it for 10 days still had the 30 day tags on it. The second rental was for extra time to be able to get back and forth to work while I found a new car.
05-22-2011 02:38 PM
I was approved with a small collection (a little more than a year ago, and it's the only negative account I have). I dont know my fico scores, have a 725 transrisk score from creditkarma, AAoA was 1 year 9 months with 2 CCs. No lates ever.