10-30-2011 02:24 PM
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!!
10-30-2011 02:35 PM - edited 10-30-2011 02:38 PM
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.
10-30-2011 07:02 PM
I wanted one too..... but got shot down for inquiries
10-30-2011 07:21 PM
Experian shows 6 in the last year ... Absolutely NO negatives reporting and Utl across 8 tradelines at roughly 1percent
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.