i need advice,help,info!!

[beb86]

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@mojobones89 wrote:

i use USAA CREDIT MONITOR,shows all three for 6.95 a month.so you would say those scored provided are fako scores?

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Yeah I would pull your FICO's first before you ap

[sakhalin070]

I was approved for an AMEX BCE without a prior relationship with AMEX with an AAoA of 2 years.

[mojobones89]

even with an average credit history of 2 years?

[mojobones89]

thats what im confused about,is it true after 12 months those inquiries dont have an affect no more,idk if Amex will see it that way or see all 10 inquiries within 2 years and be like,NOPE TOO MANY INQUIRIES in 2years,i dont want that to be my only factor of being declined

[mojobones89]

those fako scores i mentioned normal?now im worried my fico scores may be lower LOL

[mojobones89]

really?how did everything else look if you do not mind me asking.

[mojobones89]

where would i get my fico scores?seeing that those scores are considered fako?

[mojobones89]

btw thank you everyone for all help and advice!!!!!!!!!!!!!!!!!!!!!keep it coming,im learning so much!

[OptimasPrime]

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@mojobones89 wrote:

thats what im confused about,is it true after 12 months those inquiries dont have an affect no more,idk if Amex will see it that way or see all 10 inquiries within 2 years and be like,NOPE TOO MANY INQUIRIES in 2years,i dont want that to be my only factor of being declined

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Remember that those 10 inqs are spread across three reports and ymmv but it is likely that amex will only pull experian, which means that they wont be able the see the inqs from tu and eq.

Also, since your report is clean I highly doubt your ficos are below 700 with a 2 yr aaoa

[mojobones89]

according to usaa credit monitoring i have 10 inq. in ex, 7 in TU, and 8 in EQ,so seeing i have 10 in ex and AMEX pulls ex then i guess im screwed?