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Contributor
Posts: 83
Registered: ‎04-05-2007
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Delta Skymiles Amex- Which CRA and Score

Does anyone know which CRA this card pulls from? I'm in the South and have scores for TU at 649, EQ 620, EX 615
 
They should go up as I've paid off my Equity line and a few other credit cards.
 
p.s. I paid off my equity line and my TU score dropped by 10, EQ hasn't updated yet, and EX took this information and 2 other paid off CCs and increased by 24pts.  Today, a card updated on my EX and my Fako increased by 7.
 
Is it customaryf or scores to increased by so little?
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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Re: Delta Skymiles Amex- Which CRA and Score

They pulled EX on me... West Coast California
9/18/08 TU=707 EQ=706 EX=702
Super Contributor
Posts: 8,173
Registered: ‎03-25-2007
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Re: Delta Skymiles Amex- Which CRA and Score

A wise man once said...
 


TheNewWorldMan wrote:
Remember that credit bureaus use different methods to receive and process good versus bad credit information.

Information that would negatively affect your credit rating--like a late pay or charge-off--is instantly beamed from the creditor to the agency via Department of Defense 256-megabit fiber optic lines and written to their servers in 8.6 milliseconds.

Information that would positively affect your credit rating is scribed onto scrolls in special ink by Gregorian monks, which are then painstakingly illuminated. The Credit Scrolls are then placed onto camel caravans which wind their way to the credit bureau headquarters by way of Marrakesh, Dubai, and Tripoli. Once the caravan reaches Equifax, Experian or TransUnion, the scrolls are then laid out in the sun for a week so that the special ink can be read. (Note that the weather around the credit bureau headquarters is notoriously gloomy, like FICO itself, so finding seven consecutive days of sunshine can be quite an ordeal in and of itself.) Only then can the information finally be encoded into your credit files...

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Contributor
Posts: 83
Registered: ‎04-05-2007
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Re: Delta Skymiles Amex- Which CRA and Score

Thanks. Did you get it and if you did, what were your scores and CL?
Frequent Contributor
Posts: 285
Registered: ‎06-05-2007
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Re: Delta Skymiles Amex- Which CRA and Score

they pull ex, you should be good with that score, just no bankrupties amex donesnt like that
Established Contributor
Posts: 578
Registered: ‎06-18-2007
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Re: Delta Skymiles Amex- Which CRA and Score



MidnightVoice wrote:
A wise man once said...
 


TheNewWorldMan wrote:
Remember that credit bureaus use different methods to receive and process good versus bad credit information.

Information that would negatively affect your credit rating--like a late pay or charge-off--is instantly beamed from the creditor to the agency via Department of Defense 256-megabit fiber optic lines and written to their servers in 8.6 milliseconds.

Information that would positively affect your credit rating is scribed onto scrolls in special ink by Gregorian monks, which are then painstakingly illuminated. The Credit Scrolls are then placed onto camel caravans which wind their way to the credit bureau headquarters by way of Marrakesh, Dubai, and Tripoli. Once the caravan reaches Equifax, Experian or TransUnion, the scrolls are then laid out in the sun for a week so that the special ink can be read. (Note that the weather around the credit bureau headquarters is notoriously gloomy, like FICO itself, so finding seven consecutive days of sunshine can be quite an ordeal in and of itself.) Only then can the information finally be encoded into your credit files...




LMAO!!:smileyvery-happy:
He sure did write that didn't he!  LOL
 
Established Contributor
Posts: 630
Registered: ‎06-20-2007
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Re: Delta Skymiles Amex- Which CRA and Score

Yes got the card. they approved for 1K and I bumped it online at activation to 5K.  I know I was in the mid 650+ area. But my report is real dirty... alot of old paid CO etc. I thought I got lucky., and I'm glad to have the card.  Although many here have been upgrading to AMEX blue, but I have not done that yet.
9/18/08 TU=707 EQ=706 EX=702
Frequent Contributor
Posts: 313
Registered: ‎04-01-2007
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Re: Delta Skymiles Amex- Which CRA and Score

Ditto with me, they pulled ex (631 at the time) and I live on the west coast too (WA). Approved for 1k cli of 2k (total 3k). I haven't converted to Blue yet either.
Established Contributor
Posts: 510
Registered: ‎04-17-2007
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Re: Delta Skymiles Amex- Which CRA and Score

Got approved for $1K with EX of 574 last month. Converted it to Amex Blue couple of days ago. I am in the Northeast by the way.
 
Established Contributor
Posts: 565
Registered: ‎06-11-2007
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Re: Delta Skymiles Amex- Which CRA and Score

I got approved for $1K with a EX score of 652. after making one payment I requested a CLI online and increased limit to $2K. I converted the card to AMEX BLUE CASH last week.
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