Reply
GAG
New Visitor
GAG
Posts: 2
Registered: ‎04-18-2007
0

TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

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

Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

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.

Good Luck
May all your dreams and wishes become a reality!
Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please


GAG 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?

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

Are you already a member of Costco?

* 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
Moderator Emeritus
beamMEup
Posts: 4,470
Registered: ‎12-31-2008
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

And do you have a BK on your reports?

Just puttin' syrup on something, don't make it pancakes.
Frequent Contributor
BobbyJ
Posts: 304
Registered: ‎02-03-2008
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

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

Fico Scores: EQ 677 (10/3/14) EX 648 (10/03/14) TU 656 (10/03/14)
Credit after BK DC 1/14/14: C1 Venture One $10,000 (10/2014) C1 Quicksilver Plat MC $4000 (2/2014) Sams Club Store Card $437 (10/1/14)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500 / Fingerhut $600
New Contributor
Qtip4
Posts: 72
Registered: ‎09-24-2010
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

They pulled EX for me.  I know they use their own formula but it looks like they get the original info from EX.

EQ: 788 TU: 779 EX: 770 (FICO as of 7/2010) EX FAKO: 770
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: TrueEarnings® Card from Costco and American Express - Need Credit Score Info Please

 


Qtip4 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. :smileytongue:

* 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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}