Reply
GAG
New Visitor
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
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
Posts: 23,808
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- 662., TU 684 Barclay, EX 700 (3/21/15)

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
72 Cards and Counting :smileytongue:
Moderator Emerita
Community Leader
Epic Contributor
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
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
Posts: 305
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

Ficos: EQ 685 (3/19/15) EX 674 (3/19/15) TU 658 (3/19/15)
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), JCPenny $500 (12/2014)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500
New Contributor
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
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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.