topic Amex Approval with these FICO Scores in Credit Cards

Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:05:55 GMT

Can anyone tell me if I have a decent chance at an AMEX with these scores? My only baddies are 6 charge-offs from a year ago, which are all paid in full.

TU 06/18/2007 - 624
EX 06/18/2007 - 613
EQ 07/05/2007 - 641

I'm pretty sure its a long shot, but I would like the forums opinion on this, as everyone seems very knowledgeable on these boards.

Thanks,
Ibe

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:08:32 GMT

I sy no problen with the Skymiles and the HH as long as NO BK.

ibe333333 wrote:
Can anyone tell me if I have a decent chance at an AMEX with these scores? My only baddies are 6 charge-offs from a year ago, which are all paid in full.

TU 06/18/2007 - 624
EX 06/18/2007 - 613
EQ 07/05/2007 - 641

I'm pretty sure its a long shot, but I would like the forums opinion on this, as everyone seems very knowledgeable on these boards.

Thanks,
Ibe

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:14:51 GMT

i would go ahead and give it a shot. nothing ventured, nothing gained.

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:42:59 GMT

thanks guys, I was approved for the delta gold skymiles, 1k though, so its a start, the journey from sub-prime to prime starts at myfico.com ^_^

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:46:20 GMT

WTG-

ibe333333 wrote:
thanks guys, I was approved for the delta gold skymiles, 1k though, so its a start, the journey from sub-prime to prime starts at myfico.com ^_^

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:47:15 GMT

Great job! I was approved for the same, and bump it to 5K at activation.

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 02:56:22 GMT

outstanding!

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 03:11:33 GMT

what scores are good to have before even thinking about amex?

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 03:14:06 GMT

i would say anything over 600 i assume, since my own credit history is pretty bad in itself (6 PIF COs in the past year), but i think those scores only apply to the delta, hh, and starwood, from what have been posted throughout the forums.

-ibe

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 03:15:10 GMT

580+ EX

No BK, no open CA's.

jenkins wrote:
what scores are good to have before even thinking about amex?

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 03:18:06 GMT

Timothy wrote:
580+ EX
No BK, no open CA's.
jenkins wrote:
what scores are good to have before even thinking about amex?

ok well next month i will apply i have some items that are waiting to be deleted from my ex account and have 2 accounts that are going to increase my score so next month i will try. thanks

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 04:04:05 GMT

oh well, i was just declined from an Amex Hilton HH...haha i guess i shouldnt push my credit any farther than I already did ^_^

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 04:05:58 GMT

Go right back and get the Skymiles- you already took the INQ.

ibe333333 wrote:
oh well, i was just declined from an Amex Hilton HH...haha i guess i shouldnt push my credit any farther than I already did ^_^

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 04:10:34 GMT

i was already approved for the skymiles earlier, but its the pesky FRs that I don't want to push my luck into, so all that is left is starwoods, but i usually like to avoid confrontation whenever possible, so i'll wait it out a bit i guess

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 12:52:39 GMT

whats the easiest one to get approved for?

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 09 Jul 2007 23:55:35 GMT

whats my chances of being approved if i call up amex and do a recon with an underwriter? again, i would like to avoid any chances of an F/R, as I included my spouses income (our mailing addresses are different), which technically isnt a HHI, but technically i would consider it a total HHI.

Re: Amex Approval with these FICO Scores

Anonymous — Tue, 10 Jul 2007 01:00:44 GMT

if your wife and you are still married, file taxes together, share income/expenses, and are just in different actual houses due to employment situation or whatever, i think you would still be considered the same household. i would go ahead and apply.

Re: Amex Approval with these FICO Scores

Anonymous — Mon, 16 Jul 2007 23:16:58 GMT

@Anonymous wrote:
if your wife and you are still married, file taxes together, share income/expenses, and are just in different actual houses due to employment situation or whatever, i think you would still be considered the same household. i would go ahead and apply.

so i hit the almighty luv button, but got the 7-10 day response, ^_^ just got my back activated today

Re: Amex Approval with these FICO Scores

MercyMe — Mon, 16 Jul 2007 23:37:54 GMT

Hi, ibe33333 (is that enough 3s?) Anyway, I'd probably wait it out a bit, if you're worried about the F/R. Amex is shutting a whole lot of people down or reducing credit limits, due to F/R. I heard it rumored that all of the easy, recent, approvals were to acquire a large number of new cardholders they would weed through (with the F/R) after approval.

I couldn't tell you how true it is; but I hear that the review dept. at AmEx has quotas to fill (so many reviews a shift), which well may be why the majority are complaining about rude reps who won't listen to reason.

Congrats on the Skymiles!!! You might want to make a couple of PIF and then call them to ask for a CLI. By then you will have established a bit of history with them. O, and by the way, the apps ask for HHI, but the reviews consider only the applicant's income, if that helps you any?

Have a great day!

:-me

Re: Amex Approval with these FICO Scores

ah32 — Mon, 16 Jul 2007 23:44:34 GMT

Tuscani,

you got bumped from 1K to 5K? Darn, I wanted to ask for a lot more, but I didn't want to get greedy and declined. Happy enough to get the card. I got bumped from 2K to 4K. Wish I would have asked for more. I'm going to ask for another credit increase in 30 days.