General Credit Topics

[critterj7]

I saw on here that amex starwood seemed to be kinda easy to get with better credit lines than the delta card. So I thought I would give it a shot since I got the delta with a 1,000 dollars a few weeks ago. I applied last night and did not get the instant approval, but the check back in 24 hours reply. I checked back just now and was approved for 15,000 dollars. Once again I was floored as my scores as yesterday were EX -583 EQ - 563 TU - 624 I guess AMex these days are showing lots of love

[IsleSeat]

Beautiful! I assume that you never had trouble with Amex ever in the past. I did, 15 years ago and will probably be denied?

[Tuscani]

Wow.. $15k? NICE!

[critterj7]

No not the case at all I had a chage off that I paid in full about 10 years ago. hey gave me the option back then either settle for half and never have a amex again or pay in full. I paid in full for about 2,500 if i remember correctly.

[critterj7]

I am still shocked at the limit, I had to stand up and walk around for a min

[FICO_Focused]

OMG!!!! Congrats.

Rob

[FICO_Focused]

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critterj7 wrote:
I saw on here that amex starwood seemed to be kinda easy to get with better credit lines than the delta card. So I thought I would give it a shot since I got the delta with a 1,000 dollars a few weeks ago. I applied last night and did not get the instant approval, but the check back in 24 hours reply. I checked back just now and was approved for 15,000 dollars. Once again I was floored as my scores as yesterday were EX -583 EQ - 563 TU - 624 I guess AMex these days are showing lots of love

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Critter - What are your derogs??? I applied last month for AMEX delta Sky and was denied even after a reconn discussion.

Rob

[FICO_Focused]

They must have pulled from TU right?

[critterj7]

They pulled EX which is my highest at 628 on that report I have 68 Lates mostly on 3 student loans, the last late was the summer in 05 1 CO on a credit card that was settled this past nov 1 CO on a checking account that was paid in full about 2 months ago

[Tuscani]

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critterj7 wrote:
They pulled EX which is my highest at 628 on that report I have 68 Lates mostly on 3 student loans, the last late was the summer in 05 1 CO on a credit card that was settled this past nov 1 CO on a checking account that was paid in full about 2 months ago

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68 lates????