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

GAG
New Visitor

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

Message 1 of 8
7 REPLIES
Valued Contributor

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!
Message 2 of 8
Epic Contributor

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?

Message 3 of 8
Moderator Emerita

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
Message 4 of 8
Moderator Emeritus

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.
Message 5 of 8
Frequent Contributor

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:EQ 689 (1/8/17) EX 692 (2/8/17) TU 692 (1/8/17
C1 Venture One $10,000 / C1 Quicksilver Visa Sig $10,000 / C1 Quicksilver WMC $10,000 / Penfed Plat Rewards Visa Sig $9,500 / Penfed Power Cash Rewards Visa Sig $10,000 / Logix FCU Plat MC $12,000 / SDCCU Plat Visa $2,500 / Barclays Rewards MC $1500 / Best Buy Visa $2000 / Chase Amazon Prime Visa Sig $500 / Consumers Credit Union Plat Visa $2500 / Sams Club Store Card $437 / JCPenney $1,800, Fort Knox CU Plat Visa $5,000 / Lowes $7,000 / HSN Card $3,000 / Walmart Card $2,000 / Macys $800 / Target Red Card $800
Message 6 of 8
New Contributor

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
Message 7 of 8
Highlighted
Moderator Emerita

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. Smiley Tongue

* 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
Message 8 of 8