Went a little crazy on the rebuild, what is the next step

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Wow! 612 and approved for AMEX BDE? that's awesome! AMEX was 2nd one I applied with a score of 659 and was declined I dont know when I'll ever get this card back. Only time can tell!

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Yup

I am not sure why they approved me, or what factors other than my 612 score at the time they found acceptable

I just hope they approve the 3x raise at 61 days (As of today I am sitting at 634 according to my Capital One Card

I am a little worried they will not approve because of the five new cards at the same time including the AMEX and the low score

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The score from Capital One is a Vantage score not a FICO score look at the score American Express will post on your account page (there will be a link) that is the score they will most likely use when you request your CLI.

[Anonymous]

On the American Express site I am 625.
The score was done on June 22nd though.

[Anonymous]

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@Anonymous wrote:

I had only late payments on my credit report (as far as bad marks)

I have some 30s and 60s
Nothing else...  except high utilization

I was at like 90%
So I paid everything off as far as credit cards in one day
I currently still have a small car loan (low rate) about $3700

Just paying everything off jumped my score about 100 points
One issue I have a long term Credit One Bank card (I know)
And that is the only long term card I have

In the two months ago I got approved for
American Express blue cash everyday
Discover It
Chase Freedom unlimited
Bank of America Travel Awards Visa
Capital One Quicksilver

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Define "long term"....

[Anonymous]

10+ years