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Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: i need advice,help,info!!


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?


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

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Frequent Contributor
sakhalin070
Posts: 292
Registered: ‎08-28-2012

Re: i need advice,help,info!!

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

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards

FICO: TU 781 EX 776 Last App: November 2012
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

even with an average credit history of 2 years?

Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

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

Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

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

Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

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

Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

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

Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

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

Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012

Re: i need advice,help,info!!

[ Edited ]

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


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

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: i need advice,help,info!!

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?


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