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Im wondring if I should app for the BCE now. here is some of my info. havent gotten an updated score yet.
Inquiries: TU (2) EX (1) EQ (3)
7% Util
own accounts:
Best buy store card 0/3100 opened 08/2007
Cap1 Cash rewards 100/2000 opened 7/2012
Chase Freedom 0/500 opened 8/2012
AU on DW accounts:
Bank of America 1.2.3 450/1600 it will report $0 next saturday when it upddates which will make the util 1%
Discover More 0/1500
AAoA: 3 years 9 months
No Baddies
Fico EQ 676 from chase approval. only 500 CL because I had 78% Util.
I would give it a shot before the year is over. Good luck
Yes.
@Dustink wrote:I would give it a shot before the year is over. Good luck
yeah I want to lock my 2012 date and I dont really want a charge card.
if your utility is down under 10% preferably lower than 5% yous hould be fine, I got a BCP with aaoa of 1.9 years but my score was 744 at the time of approval with Amex.
It looks like you a got a shot if you go for it.
Question: Does AU accounts factor into AAoA? Cuz if it doesn't it seems like your AAoA would be lower.
You don't provide scores but your credit profile is good enough to get accepted.
Let's do it!
@alboto wrote:Im wondring if I should app for the BCE now. here is some of my info. havent gotten an updated score yet.
Inquiries: TU (2) EX (1) EQ (3)
7% Util
own accounts:
Best buy store card 0/3100 opened 08/2007
Cap1 Cash rewards 100/2000 opened 7/2012
Chase Freedom 0/500 opened 8/2012
AU on DW accounts:
Bank of America 1.2.3 450/1600 it will report $0 next saturday when it upddates which will make the util 1%
Discover More 0/1500
AAoA: 3 years 9 months
No Baddies
Fico EQ 676 from chase approval. only 500 CL because I had 78% Util.
Go ahead and apply, its a great no fee card. Also AMEX is a good company to get in with.
@ccnewcc wrote:It looks like you a got a shot if you go for it.
Question: Does AU accounts factor into AAoA? Cuz if it doesn't it seems like your AAoA would be lower.
Yes AU accounts factors into AAOA, this is why there are people who are hungry for a very old AMEX AU what Amex calls ACM additional card member.
basically if someone added you as an ACM had the account open from 1982, it's possible to backdate your member start date to 1982 which is 30 years of history even if your not 30 years old. Intresting thing is if you successfully backdate the account ANY Amex you get (not co-branded ones like costco or macy) will carry over 30 years of history as well.
It's getting harder and harder to do but sometimes if you call 20 times you can find someone to do it lol