Re: More EX pulls after 2 AMEXs?
01-10-2013 07:42 AM
Thank you for your words and wisdom !
My 2 Amex's are indeed new accounts 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 ) But, with Amex's back-dating, would it help?
I do not have prior auto history, this will be my first vehicle !
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 - 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 !
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? 757 (provided by Barclay 9/14/13), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720
Take the FICO Fitness Challenge