Reply
Member
Posts: 6
Registered: ‎05-05-2007
0

Re: Amex Clear

Im not sure what the diffrence between clear and blue is, but my wife and I both just got approved for the blue, she got 12000 CL and I got 2000 CL, her scores are a little higher, but I checked my ex today and its 669, which is my lowest of the 3.  Both of us got 15 months 0 % apr and 4.99 on BT for the life of the balance.
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: Amex Clear



Niki9 wrote:
HSBC said that I was never late.  In fact they sent me my payment history today.  They told me to dispute w/CRA.
 
Do you have any suggestions for cards?  I need to get my credit score up and the problem is that I am maxed on 3 of 5 cards.   1 card is paid off and I don't want transfer any balance to it.  It is an Applied Bank card.. formerly Cross Country bank and I can't wait to close it.  (They have charge me so many fees)  It was the only card I could get after BK.
 
I guess I need to get utilization much lower but don't want to risk the declined inq.


With that info, you should have a successful dispute and the lates deleted. That along with lowering your util% on your CCs will vastly improve your scores. Util below 50% will help a little, util below 30% even better, util at 1-9% max FICO points. Not only is Amex BK unfriendly, they don't like high debt revolvers who make small monthly payments. With your current util, it will be difficult for you to get approved for a new CC.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.