08-16-2012 08:13 AM
what a day to start my birthday !!!!!
ok so heres the deal
after reading the approvels for american express zync i thouhgt i would work up the power to go for it, mind you i am about 60 days out form my last app with them denied.
currently i am at 651 Tu wallmart aug 2012
last known EQ 593 as of 4/28/12
i have one open Collection for 200
3 60days from 2008 on auto loan
3 cap ones open all about 90 % on statment
open wallmart 0/600
open amazon 230/1200
open KJ 0/500
open old navy 0/400
open express 0/300
open target 0/200
open credit one 0/400
closed capone/orchardbank 0/300
closed 1stpremier 0/300
inqs is 5-15 on each CB
apped right now after reading and thinking wt* its my birthday
approved conter-offer 500 SL and autopayment from bankaccount BUT guys i am in!!! GOODBYE CREDIT ONE :]
08-16-2012 08:21 AM
08-16-2012 08:33 AM
HAPPY BIRTHDAY, mrcrush20!
Congrats on your success!
Although you are "much older now", you're in the perfect position to nurture your credit in the garden and watch it grow. I hope you'll do just that.
You'll be amazed at how well the good credit you establish now will work for you in the future, when you'll actually need it for things like cars, homes and other opps.
Again, congrats to you, old man!!
08-16-2012 09:14 AM
This gives me hope
What are your other factors like?
1. Income, 2. Debt to income ration, 3. AAoA, 4. Time at current employer?
Thanks for info and grats!
08-16-2012 09:15 AM
Congratulations, and welcome to the Amex family! And happy birthday to you!
08-16-2012 09:27 AM
humm well lets see income i just notched 75k about 10K higher then the last app i did wiht amex about 2 months ago. The only debt i have is the open balances for CC wich total about 1500... my aaoa is 1 year thanks to my appsprea over the last 10 months. time at employer 5 years one month wich amx app did NOT ask for... now that i think about..... or i was still asleep when i filled out the app i cant remember putting that.
one last thing.. one of my accounts became 100% vested over the last 30 days so it added 10K to my worth that i included in the app.
I am older and wiser today THANKS to the members of myfico.com HAPPY 24th Mrcrush :]
and thanks for the birthday wishes!!
08-16-2012 11:31 AM
Birthday Dance! & Congrats!
08-16-2012 12:13 PM
Congrats! welcome to the family!
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