Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
Re: More EX pulls after 2 AMEXs?

bradmaster wrote:

Hi Walt_K! 


Thank you for your words and wisdom Smiley Happy!


My 2 Amex's are indeed new accounts Smiley Sad  I should've applied just one but I read from forums that 1 HP could get me 2 accts... turns out it was 2 HP, didn't verify thru Experian yet but will check soon.


My current AAoA is 3.5 years (very bad Smiley Sad)  But, with Amex's back-dating, would it help?  


I do not have prior auto history, this will be my first vehicle Smiley Happy!


I currently have 4 baddies (SLs, closed, reported as 180+ days late (infamous FedLoan) - working on GWs)


My EQ and TU have 1 collection reported that was paid (should've done PFD, but too late Smiley Sad - working on GWs), but EX was not reported, so I believe I have higher FICO score, at least per Amex rep said.


4 SLs has been rehabbed and reporting as good standing (positive)

Cap1 secured (positive)


and now I will have AMEXs which have not been activated Smiley Happy!


Thanks in advance for your words and wisdom, I appreciate it!

You won't get backdating if these are your first Amex accounts.  Do you have a prior Amex that these are going to backdat to?  If so, what is the year of the prior Amex.  Also, how many accounts is your AAoA based on?

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

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