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Moderator Emerita
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Epic Contributor
haulingthescoreup
Posts: 28,114
Registered: ‎04-01-2007

Re: The Chance AMEX Approve for Blue Cash

In general, you just don't want to apply for credit when you have negatives on your reports.

 

Especially big negatives.

 

Especially when they're due to fall off relatively soon.

 

If your only vehicle just blew up, and you live 40 miles from work without any option of mass transit or ride-sharing or riding in on horseback, that's different. That's a time where you might have to grit your teeth and get an auto loan, knowing that your APR will be worse.

 

But getting a CC for the sake of getting a CC, when you aren't able to present your best credit profile, just makes no sense to me. Even if you get approved, your CL will be lower and your APR higher, and I'll betcha that your account will always be notated in some internal form that your credit was blemished at the time of application.

 

Just a general observation to anyone who's gotten the app'ing fever from hanging around the Credit Cards board. :smileywink:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
xecutioner
Posts: 22
Registered: ‎07-03-2010

Re: The Chance AMEX Approve for Blue Cash

Question: Where did you get those scores in your siggy? EX isn't available to the public and hasn't for a while now.

 

I signed up on experian.com website for "PLUS Score and Experian Credit Report" for $14.95/month. That's where I got my experian credit score. Basically, I signed up the membership for all three credit bureaus to check my reports & scores.  also signed up to get my report and fico score ay myfico.com, but ran into some type of trouble that they couldn't verify my identity or something.

 

why is there such a dramatic increase in the month between scores?

 

On June 2010 is when I began to sign up the membership to get my reports & scores. Most of the original negative marks and collections account were reported on my credit report. I began to dispute in June & July with the credit bureaus and have a few collection & charge-off accounts removed. I also contacted the collection agency: RJM Acquisitions LLC to PFD. I love RJM, because they are very easy to work with, but I do advise to get everything you negotiate in writing.

 

Below are the scores I got from each credit bureaus.In order from top to bottom is Equifax, Experian, & TransUnion

 

Equifax Score

 

 

Experian Score

 

 

TransUnion Score

 


___________________________________________
7/03/2010 Equifax: 689 Experian: 639 TransUnion: 687
8/20/2010 Equifax: 737 Experian: 742 TransUnion: 727

myFico score: Equifax: 742[8/25/2010]
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: The Chance AMEX Approve for Blue Cash

 


xecutioner wrote:

Question: Where did you get those scores in your siggy? EX isn't available to the public and hasn't for a while now.

 

I signed up on experian.com website for "PLUS Score and Experian Credit Report" for $14.95/month. That's where I got my experian credit score. Basically, I signed up the membership for all three credit bureaus to check my reports & scores.  also signed up to get my report and fico score ay myfico.com, but ran into some type of trouble that they couldn't verify my identity or something.

 


 

 

Just in case you don't already know the Experian Plus score is not an Experian FICO score and the two can't be compared to each other in any way. No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work


 

Established Contributor
jefftca925
Posts: 674
Registered: ‎08-14-2008

Re: The Chance AMEX Approve for Blue Cash

Sorry to be a pest about this but I'm still confused.  You have 3 baddies reporting on your CBRs.  You're telling us that your scores are in the low-mid 700s with these on there.  Your screen shot of the Experian FICO(?) shows they said that your payment history is GREAT.  Something is amiss here.  Are the baddies showing on EX?  If you really want to apply for the Amex card then it couldn't really hurt too much to see if it will go through.  If they say "no" you're only really hit with an INQ and that will recover in a few months.

CCs: Chase Freedom VISA Sig/World MC 2k/6.9k, CSP VISA Sig 5k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sig 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 9.2k, Citi AA Amex 6k, Nordstrom Visa Sig 10k, Amex Zync, Costco Amex 12k, BofA CR Visa Sig 17k, Amex BCP 9.5k, Amex Blue 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR Visa 15k, Chase United Visa Sig 13k, Chase Marriott Visa Sig 8k, Citi Simplicity 11.4k, PayPal MC 5k, Compass Visa 4k, WF Visa Sig 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sig 10.8k, Capital One QS Visa 3k, FRN MC 12k, Vitacost MC 12k, HSN 4k, Saks WEMC 10k/4k... FICOs as of March '14...EQ 808 TU 807 EX ?
Established Member
xecutioner
Posts: 22
Registered: ‎07-03-2010

Re: The Chance AMEX Approve for Blue Cash

I just purchased the myFico Equifax Score today. The score I got from myFico is very similar to the one I purchased from Equifax website that claimed to be FICO score too. Are they really the same score?

 

 

 


___________________________________________
7/03/2010 Equifax: 689 Experian: 639 TransUnion: 687
8/20/2010 Equifax: 737 Experian: 742 TransUnion: 727

myFico score: Equifax: 742[8/25/2010]
Frequent Contributor
bakalao2k
Posts: 448
Registered: ‎02-21-2009

Re: The Chance AMEX Approve for Blue Cash

 


xecutioner wrote:

Question: Where did you get those scores in your siggy? EX isn't available to the public and hasn't for a while now.

 

I signed up on experian.com website for "PLUS Score and Experian Credit Report" for $14.95/month. That's where I got my experian credit score. Basically, I signed up the membership for all three credit bureaus to check my reports & scores.  also signed up to get my report and fico score ay myfico.com, but ran into some type of trouble that they couldn't verify my identity or something.

 

why is there such a dramatic increase in the month between scores?

 

On June 2010 is when I began to sign up the membership to get my reports & scores. Most of the original negative marks and collections account were reported on my credit report. I began to dispute in June & July with the credit bureaus and have a few collection & charge-off accounts removed. I also contacted the collection agency: RJM Acquisitions LLC to PFD. I love RJM, because they are very easy to work with, but I do advise to get everything you negotiate in writing.

 

Below are the scores I got from each credit bureaus.In order from top to bottom is Equifax, Experian, & TransUnion

 

Equifax Score

 

 

Experian Score

 

 

TransUnion Score

 


Your TransUnion score is from TrueCredit and it isn't a true FICO score. Per TrueCredit, the numerical score ranges from 990 to 501 equaling grade ranges from A to F. 

 

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10

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