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New Visitor
Posts: 8
Registered: ‎06-25-2007
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AMEX and Fico Score

Hello.... First off this is my first post on the forum. Nice to be here thank you. Quick question I thought I would ask some of the experts here. I am looking to get an AMEX card. Would actually prefer the Delta Skymiles since I would use it a lot to get Skymiles and fly when I can. Getting married in a year so all the purchases I make would mean more miles to use for honeymoon plane tickets. I have a Fico score of 698 and was wondering what I would be likely to be approved for. I am hoping I would be approved for the Skymiles card, but if not that is ok. Everyone feel free to comment and I look forward to other's responses. Thanks! -David
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: AMEX and Fico Score

Welcome.. Amex will pull EX. What is your EX score? Any baddies? Delta is one of the easiest (if not the easiest) Amex card to get.
 
Be sure to read the Scoring 101 thread.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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Re: AMEX and Fico Score

I was approved with a 678 on 6/23 and the used EX. I also applied for the honors card wait for that approv. so don't know yet.
9/18/08 TU=707 EQ=706 EX=702
New Visitor
Posts: 8
Registered: ‎06-25-2007
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Re: AMEX and Fico Score

Hello... What does EX mean? I am assuming Equifax? If so I just pulled up and funny thing is it says 615?? How can I have a 615 there and Transunion has me at 698? Hmm that is weird! Well doubt I will have much luck with a 615 if they pull the Equifax report then.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: AMEX and Fico Score

EX= Experian
9/18/08 TU=707 EQ=706 EX=702
New Visitor
Posts: 8
Registered: ‎06-25-2007
0

Re: AMEX and Fico Score

Hmm not sure what my Experian score is..... As of now TU is 698 and Equifax is showing 615. That is a HUGE difference.
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: AMEX and Fico Score

go for it.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: AMEX and Fico Score

you can get all three true Fico's not Faco's here at myfico.
9/18/08 TU=707 EQ=706 EX=702
Regular Contributor
Posts: 106
Registered: ‎04-28-2007
0

Re: AMEX and Fico Score

they pulled all three reports for me and my lowest was 635 at the time i believe.  you will probably be okay.  good luck.
New Visitor
Posts: 8
Registered: ‎06-25-2007
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Re: AMEX and Fico Score

Thanks guys....just hate to apply for it and to find out I won't get approved and have the hit or inquiry on my report. I had some issues awhile back but they have dropped off and my credit has improved. Just to say it was around 465 about six years ago and I am now getting it back up again. I will probably sign up and get all three scores tomorrow and see what they say.
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