Reply
Valued Member
critterj7
Posts: 41
Registered: ‎05-16-2007
0

Re: AMEX Starwood

yep 68 on three student loans that fell almost 150 days starting back in early 05
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: AMEX Starwood

I am impressed... not by the Amex... but by your number lates. HEHE
 
Not to discourage others... but I would chalk this off as luck. Be careful as you do not want a Amex FR.
 
 
 
Valued Member
critterj7
Posts: 41
Registered: ‎05-16-2007
0

Re: AMEX Starwood

Actually i was just looking 18 of those lates came from the charge off on the checking account. Shows 90 days late 18 times 0 for 60 and 0 for 30 days. Can that be right? how can you be late on a non installment account?
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: AMEX Starwood

Generally before CO you will see one 30, then a 60, then a 90, and then 120 each month (assuming the TL is updated each month). Whether or not the TL is sold to a JDB will make a difference as well.
 
Student loans are different.. it's common that lendors only report if you are 90 days late (Sallie Mae at least).  
Moderator Emeritus
masdeocho
Posts: 2,050
Registered: ‎04-17-2007
0

Re: AMEX Starwood



critterj7 wrote:
I am still shocked at the limit, I had to stand up and walk around for a min

Congrats, don't spend it all in one place!  :smileyhappy:
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Valued Member
critterj7
Posts: 41
Registered: ‎05-16-2007
0

Re: AMEX Starwood

I dont think I would do that I learned my lesson once
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: AMEX Starwood

[ Edited ]


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

WTH???? I can't believe I can't get one of these cards. I thought you said your EX was 583 in your OP? That's why I asked about the TU score which was the only score you had in the 600s yesterday...?
 
Rob


Message Edited by FICO_Focused on 06-19-2007 06:27 PM
Regular Contributor
princeromeo
Posts: 157
Registered: ‎06-05-2007
0

Re: AMEX Starwood

yea is your experian score 583 or 620s im confused
Valued Member
critterj7
Posts: 41
Registered: ‎05-16-2007
0

Re: AMEX Starwood

I am sorry I messed up in the OP the ex score is 628 and the TU 583 sorry. I asked for a CLI on my org delta that has a 1000 credit and they said no but then I got this card today with 15,000. It is very strange. I have no idea how they make there decisions. I make 85,000 a year and have very little bills really. I have about 10 years of perfect car payment history. My student loans are the really the only big scars on my report besides a credit card CO that i just finished paying not long ago and a checking account charge off that was just paid as well.
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: AMEX Starwood



critterj7 wrote:
I am sorry I messed up in the OP the ex score is 628 and the TU 583 sorry. I asked for a CLI on my org delta that has a 1000 credit and they said no but then I got this card today with 15,000. It is very strange. I have no idea how they make there decisions. I make 85,000 a year and have very little bills really. I have about 10 years of perfect car payment history. My student loans are the really the only big scars on my report besides a credit card CO that i just finished paying not long ago and a checking account charge off that was just paid as well.

Very similar situation here as well...  But my EX is the LOWESTTTTTTTT!!!:smileymad:
 
Congrats on your Starwood Rewards. I really need to get a rewards card!!!!@#!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}