05-30-2009 02:15 PM
05-31-2009 08:30 AM
05-31-2009 06:35 PM
Welcome to the forums!
I agree with CA. Amex wants to see 700+ FICO scores with no major derogs. They also hate inquiries. They have been known to deny based on too many inquiries if you have more than 1 reporting.
05-31-2009 06:39 PM
Amex wants to see 700+ FICO scores with no major derogs.
A 30-day late that's a year old doesn't count as a major derog, does it?
05-31-2009 08:26 PM
05-31-2009 09:38 PM - edited 05-31-2009 09:40 PM
Since you don't know what your EX score is anyway, freeze it and tell them to pull your best report.
That won't work. Amex will pull EQ or TU for the appliation and may give you the card. Then they will soft the EX report (they will be allowed to do so at that point) and close the card again if they don't like what they see there. I have just read a report by someone who had exactly this happen with an Amex Green. Closed after 2 weeks.
05-31-2009 09:51 PM
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