Credit Cards

[Scriabin]

TransUnion 756; Equifax 770; Experian 741.

[jsickz32]

scores is not the only thing you need.

[Scriabin]

What else do I need?

[Jlu]

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Scriabin wrote:

TransUnion 756; Equifax 770; Experian 741.

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If scores were the only deciding factor, then yes. Unfortunately this is not the case. 

[Revelate]

I am guessing those are FAKO scores (nothing to do with a lender approval); however, you probably have few if any blemishes on your report, and if you have at least six months reporting on a credit card you have a reasonable chance.

If you post a little more of what your report looks like we can make a better assessment.

Welcome to the forums though!

[jamie123]

Do you currently have any other credit cards?

How long have you had them?

AMEX likes to see at least 1 years history with multiple credit cards.

[CruzImperial]

Some of the usual info needed to get a good picture is average age of accounts,  # of inqs, utilization and it also helps if you have previous good payment history with them.

[Scriabin]

I applied. They are asking that I call to speak with a representative. Apparently, they need a business phone number and home address verification. Is this a good sign?

[jd5189]

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Scriabin wrote:

I applied. They are asking that I call to speak with a representative. Apparently, they need a business phone number and home address verification. Is this a good sign?

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Yes. Home address can be verified through your bank. 

[isoldmyatlas]

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jamie123 wrote:

Do you currently have any other credit cards?

How long have you had them?

AMEX likes to see at least 1 years history with multiple credit cards.

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Not necessarily.  They approved me for the Green card with only 5.5 months history, and I only had 1 card.  My income isn't high, either.

At any rate, OP, it sounds like once they verify your employment and address you'll be good to go!