Frequent Contributor
Posts: 260
Registered: ‎11-10-2011
Re: Too Soon for AMEX BCE?

mmt wrote:

Ok, thanks for the reply. 


Would taking my utility down to 0% help at all? 


Any suggestion on charge card? I had been looking at the Zync until it went away. Would I be better off finding another card to get? 


I am wondering if it is worth the inquiry for the chance to get a backdate year of 2012. Since there is only a month and a half left in the year, my revolver won't age that much before 2012 is gone. 

Under 10% will be best, beyond that the results are negligible. That being said your current util prob won't prevent you from being approved... If you don't mind the inquiry go for it, I think the PRG has a promo for a waived annual fee for the first year.

Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800

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