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

military man trying to join the amex family.questions,advice,help.

Long story short is that i want to join amex but dont know when.
Ill list my standings:

9 credit cards=15,100 credit over all.
Credit limits range from 300-7,000
All 0 balance.
Always paid on time,no baddies what so ever on my record.
My oldest accounts are 3 years
My aaoa is 1.2
Now here is the catch,the only catch i can think of...
I have 15 injuries within the last 2 years,which most of them will fall off this year leaving me with 6 inquiries.

One last thing my Ex fako score is 738,was 769 till i got all those inquiries.

O ya my income is 50k
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Senior Contributor
myjourney
Posts: 25,167
Registered: ‎02-07-2013

Re: military man trying to join the amex family.questions,advice,help.

how many inquires on EX

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Contributor
Bobert22
Posts: 236
Registered: ‎01-20-2013

Re: military man trying to join the amex family.questions,advice,help.

How many inquiries do you have in the past 12 months (those are the ones that affect your score)?

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

15 on Ex
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

I believe i want to say the remaining 6 i wil have at the end of this year once the rest clear off.
Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: military man trying to join the amex family.questions,advice,help.

[ Edited ]

In my experience, American Express doesn't care about inquiries. I just got approved for two of their cards with their inquiry being the 23rd on Experian. In June last year I had about 15 or something and was instantly approved for another card from them. All inquiries were accrued last year.

 

My history was a lot shorter than yours when I got the Blue Cash Everyday, so I see no reason you wouldn't get any card you want from them.

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Senior Contributor
myjourney
Posts: 25,167
Registered: ‎02-07-2013

Re: military man trying to join the amex family.questions,advice,help.

Your scores are good IMO you may want to wait until those inquires drop off...You look good tho

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

Forgot to add....i have two installment loans
A car loan which still has 11k and a furniture loan that still has 4k
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

What cards were those?ive herd that they only like seeing 2 pushing 3 if that.
Contributor
mojobones89
Posts: 252
Registered: ‎01-21-2013

Re: military man trying to join the amex family.questions,advice,help.

Thats the thing,i dont wanna wait any longer lol.

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