topic Possible AMEX?? in Credit Cards

Possible AMEX??

drjenn — Thu, 23 Aug 2007 01:21:47 GMT

whatcha think?? im in florida..do i qualify for a AMEX???.. and if so which card do u suggest?? and which report do u think they will pull???

EQ 661

EX 664

TU 693

Re: Possible AMEX??

Anonymous — Thu, 23 Aug 2007 01:31:51 GMT

What baddies do you have? What's your uti look like?

Re: Possible AMEX??

drjenn — Thu, 23 Aug 2007 02:36:59 GMT

dude..i have a couple collections from like 2001 im working my ass off trying to get deleted..like 2 medical collections, a credit union charge off, that i was hit twice wit, by the actually CU then the CA.

whatcha think?

Re: Possible AMEX??

Anonymous — Thu, 23 Aug 2007 02:45:37 GMT

drjenn wrote:

dude..i have a couple collections from like 2001 im working my ass off trying to get deleted..like 2 medical collections, a credit union charge off, that i was hit twice wit, by the actually CU then the CA.

whatcha think?

skip it.....I dont think amex is going to play nice with active collections

Re: Possible AMEX??

Anonymous — Thu, 23 Aug 2007 13:55:13 GMT

I have a starwoods card with a 7,000.00 limit and a blue with a 4,000.00 limit. I got both of them with a 668 experian score and 8 unpaid medical collections. I don't see why the original poster could not have similar results.

Re: Possible AMEX??

drjenn — Thu, 23 Aug 2007 13:58:46 GMT

wow that gives me hope.. i also have a great salary to help out...i make 120,000 a year..with those numbers .. im thinking ill try for the blue .. whatcha thinkin? which report did they pull of yours?

Re: Possible AMEX??

Anonymous — Thu, 23 Aug 2007 14:01:58 GMT

anabell36 wrote:
I have a starwoods card with a 7,000.00 limit and a blue with a 4,000.00 limit. I got both of them with a 668 experian score and 8 unpaid medical collections. I don't see why the original poster could not have similar results.

Some creditors tend to ignore medical collections in their scoring model. Amexmay be one since it is my understand ing that they use a special scoring system. I have one paid collection from 2002 for 62.00 and Amex's response to me was 'collections account 1-2 years old' in their reason for denial.

Re: Possible AMEX??

Anonymous — Thu, 23 Aug 2007 14:47:33 GMT

That could explain it. I don't have any baddies other than medical. They are the result of a local hospital listing me as responsible party for ex for 5 yrs after divorce. In other words, check your report often. If I had I wouldn't have 8 collections.

Re: Possible AMEX??

Red1Blue — Mon, 03 Dec 2007 23:25:28 GMT

You could try for Delta Amex and see if you might get it. Since the CA are from 2001, they might play less importance. Delta Amex seems to be easier to get the foot into the door.

Re: Possible AMEX??

fused — Mon, 03 Dec 2007 23:47:24 GMT

concorduser wrote:

You could try for Delta Amex and see if you might get it. Since the CA are from 2001, they might play less importance. Delta Amex seems to be easier to get the foot into the door.

I agree!

Re: Possible AMEX??

haulingthescoreup — Tue, 04 Dec 2007 00:09:44 GMT

@Anonymous wrote:
That could explain it. I don't have any baddies other than medical. They are the result of a local hospital listing me as responsible party for ex for 5 yrs after divorce. In other words, check your report often. If I had I wouldn't have 8 collections.

Are these collections still open? Have you disputed them as "not mine"? (just curious)

Re: Possible AMEX??

Anonymous — Tue, 04 Dec 2007 00:54:12 GMT

I just want to make this clear as I am not advocating NOT paying collections- trust me I want to pay them.

I have two open- and- very small MEDICAL collectiosn- one for 116 and the other for 148. Amex did accept me- but my scores were even higher than they show now- I took a 30 point hit on either EQ or EX-but I also opened another roughly the same time...

Mine were around 670, 680, and 650 when I was accepted by them.