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My credit score is 704 / 708 / 730 for each of the 3 reporting companies - Which company do they check ? and Can I get this card with that score ?
Thanks
First thing to consider is where did you get your scores from?
Second thing to know is AMEX does not go by your scores. They have their own in house formula for approving.
@Anonymous wrote:My credit score is 704 / 708 / 730 for each of the 3 reporting companies - Which company do they check ? and Can I get this card with that score ?
Thanks
How old is your credit file?
What's your highest limit card now?
How many cards do you have?
Are you already a member of Costco?
And do you have a BK on your reports?
Please keep in mind that Amex will pull from other public records for BKs. Even if the BK has been removed from your CRs it can still show in public records until it has past the legal time limit to report.
BJ
They pulled EX for me. I know they use their own formula but it looks like they get the original info from EX.
@Anonymous wrote:They pulled EX for me. I know they use their own formula but it looks like they get the original info from EX.
+1
This is exactly what they do. They pull your EX report and run it through their own scoring formula. And btw, if your EX report is skimpy, or if there are some oddities on there, they will pull other reports as well.
Back when we could pull our EX FICO's, it was sorta-kinda-semi useful to know the EX FICO scores of those who app'd and were approved or denied. Now that most people only know one of their half-dozen or so FAKO's, an Experian "credit score" doesn't tell you any very useful at all.