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If you qualify for any of amex's npsl cards you will qualify for green/gold/pr gold/plat. the spending limit ends up being the same it just depends on what additional benefits you want and are willing to pay for
@BullsEye10 wrote:I have been rebuilding my credit for the past two years and am looking to this board’s veterans for some advice. I would like to get an AMEX (gold preferably, but will settle for green and upgrade in 13 months if needed).
My relevant credit information is as follows:
Credit Scores (and source): Equifax (FICO) 666 - TransUnion (FICO) 659 - Experian (CreditKarma.com) 694
Income: $155,000.00 (4..5 years at current position)
Age: 38
Installment Debt:
$65,000.00 – Student Loans
$15,500 – Car Loan
Revolving Debt:
Oldest Acct: 1994
Newest Acct: 2011
Existing Credit Cards, Balances and Credit Limits:
Discover………$550.00…..CL $3,200.00
Capital One…...$0.00……..CL $1,750.00
Orchard Bank…$0.00……..CL $400.00
Sears……....….$0.00……..CL $800.00
Bank of Amer…$0.00……..CL $1,000.00 (secured)
Utilization Rate: 7.7%
Problem Areas: Late payment on installment loan in April 2011, otherwise no late payments for almost 4 years; Charge off with date of first delinquency January 2006. 3-4 inquiries in the past 2 years (the car loan and a couple of cards in 2011)
What do you guys think? Any chance of success or am I a couple of years away?
Definetly work on GW (good willing ) the late payment on the car loan, its been a year and it should be simple near zero cost credit repair that will help your score and approval chances in the future.
And do try for AMEX card you want.
Is there an example of a Good Will Letter I can plagiarlize for the late payment?
Thanks
@BullsEye10 wrote:Is there an example of a Good Will Letter I can plagiarlize for the late payment?
Thanks
The credit rebuilding forum has tons of these GW letter samples... just keep in mind that it needs to be specific to your circumstances at the time.
@BullsEye10 wrote:Is there an example of a Good Will Letter I can plagiarlize for the late payment?
Thanks
Example letters - PFDs, GWs, DVs, etc.
So what happened? I read 4 pages of comments and there's no conclusion. It's like watching an interesting movie and then ending leaves you hanging.
@sofakinglive wrote:So what happened? I read 4 pages of comments and there's no conclusion. It's like watching an interesting movie and then ending leaves you hanging.
thanks for bringing back another dead thread!
if you look on his sig(if your on a computer)
it says amex plat- 75k transaction approved. so clearly he got the platinum.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Wow... nubie made a rookie mistake. LOL
Thanks for the heads up. I'll be more observant in the future.