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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: What will Amex give me?


NADA918 wrote:
The score is from freecreditrepot.com, therefore I believe it is my plus score. My biggest concern is that my discover card has the $750 cl and that may make them concerned to give me one. I don't understand why discover is so stingy when I have been perfect.

FreeCreditReport does provide the "Plus" score, your actuall EX FICO may be higher or lower, my EX Plus score is 761 and my True FICO is 786 provided by AmEx, so a 25 point difference in my case.

 

When I apped for my first AmEx Blue Cash in March, Cap1 750CL was my highest and AmEx approved me with 2K CL, and 61 days later I requested a 4K increase, instant approval now @6K.

 

Your oldest acct is 2.6 yrs and your AAoA's is 1.3 no baddies, you say you have 2 inq's, I am leaning towards you being approved for an AmEx Blue Cash, and maybe a Blue Cash Preferred, I still think the Preferred might be a little harder to get AF or not (<-the previous statement is my opinion and my opinion only)

 

You do whatever you feel is right, you may be approved for the BCP in a heartbeat, I am not surprised by anything anymore when it comes to credit card approvals.

 

I truly do Wish you the Very Best!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: What will Amex give me?

[ Edited ]

NADA918 wrote:
Also, I am going to apply once I get utilization under 10%. How long does it take for the cc company to report the new statement amount to the credit bureaus?

 It usually takes 1-5 days for all 3 CRA's to update once your CCC sends in the updated info which is on the closing date of your account each month

 

So find out when your closing date is, and update your EX report at FreeCreditReport.com everyday until you see your new balance of under 10%, AmEx pulls EX, so the day you see the updated info at FCR.com, AmEx will see the same info when they pull your report from Experian.

 

You can usually find your closing date in your online account, just search around, or you can just click on online statements and it will show you your closing date, or if you receive paper statements, it should show the closing date there somewhere, I have all my CC's with paperless statements.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011

Re: What will Amex give me?

 

I wanted one too..... but got shot down for inquiries :smileysad:

TU-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 7500CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase Slate $4000
Member
NADA918
Posts: 23
Registered: ‎10-23-2011

Re: What will Amex give me?

How many inquiries have you had?
Frequent Contributor
nuggets321
Posts: 344
Registered: ‎03-25-2011

Re: What will Amex give me?

Experian shows 6 in the last year ... Absolutely NO negatives reporting and Utl across 8 tradelines at roughly 1€€percent

TU-717 (MYFICO) EQ- 696(MYFICO) EXP 711(Amex denial letter)
My Wallet : Dicover More 7500CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 4000CL-Kays 2900--Macys 3000CL /SSFCU 5000CL / CitiBank Plat Select 3000CL / CHASE Freedom 1300CL / Lowes 10,000 CL / BBuyStoreCard 5000CL Sears Store Card (Citi) 3000 / Firestone CFNB 1400 Toyota Financial $35,000 Auto /2200DiscountTire(GECRB) Citi TY Preferred 6500CL / Chase Slate $4000
Member
NADA918
Posts: 23
Registered: ‎10-23-2011

Re: What will Amex give me?

I didn't think 6 would be that many. Guess I'll have to get Amex before anything else

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