Got my letter from Amex re my Delta APR and it had my TU score listed (a little pissed it didn't have EX score but I'll call the CB Team at Amex on Monday and see if I can get). I was approved for 2k limit at 17.24% (their middle tier APR interest rate). My TU score listed 702!!!!! Hurray. The five negatives I have are: 1. Serious delinquency, 2. Proportion of loan balances to loan amounts too high (student loan), 3. Time since delinquency too recent (last late in March) 4. Too few accounts currently paid as agreed (don't get this one as every account on my CR is paid as agreed; and 5. Too many inquiries (had 2 before this pull).
Congrats!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Congrats to YOU!!!
just went 5 for 5 with Chase Freedom approval.
