Credit Card Center Advertiser Disclosure†
06-24-2007 05:35 PM
06-24-2007 06:01 PM
You should be approved for a Delta skymiles and Starwoods. But you should try and GW the lates first and see if they get deleted and bring your util down to 1-9%. These actions might later qualify you for a better Amex card, perhaps a Blue or Blue Cash.
dragonheartt wrote:I know they mostly pull EX, but can pull EQ. My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004. That is the only baddies! I'm running about 40% utilization and looking at getting a good card to drop that. I have paid off several accounts, basicallly because I didn't want to use them with my wife out of work. I didn't realize at the time that closing these accounts would do more harm than good. So, how good of a chance do you think I would have with the AMEX? If I apply, should it be for Gold Delta Skymiles or the Starwoods card?Dragon
06-24-2007 06:06 PM
06-25-2007 01:08 AM
dragonheartt wrote:My EX score is 680, with a couple of 30 day lates and a 60 day late from late 2004....how good of a chance do you think I would have with the AMEX?
06-25-2007 05:17 AM
Noah_Bodie wrote:With a 680 EX, if you have no defaulted AMEX CCs in your past, and no BK on your CRs, you should have no trouble getting a Delta. With a 680, I'd recommend you try for Blue as well. If you apply same day, odds are good you'll get at most 1 pull per CRA--likely only EX and maybe also TU.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.