topic Re: AMEX Starwood in General Credit Topics

AMEX Starwood

Anonymous — Tue, 19 Jun 2007 20:40:37 GMT

I saw on here that amex starwood seemed to be kinda easy to get with better credit lines than the delta card. So I thought I would give it a shot since I got the delta with a 1,000 dollars a few weeks ago. I applied last night and did not get the instant approval, but the check back in 24 hours reply. I checked back just now and was approved for 15,000 dollars. Once again I was floored as my scores as yesterday were EX -583 EQ - 563 TU - 624 I guess AMex these days are showing lots of love

Re: AMEX Starwood

IsleSeat — Tue, 19 Jun 2007 20:44:21 GMT

Beautiful! I assume that you never had trouble with Amex ever in the past. I did, 15 years ago and will probably be denied?

Re: AMEX Starwood

Tuscani — Tue, 19 Jun 2007 20:50:05 GMT

Wow.. $15k? NICE!

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 20:50:43 GMT

No not the case at all I had a chage off that I paid in full about 10 years ago. hey gave me the option back then either settle for half and never have a amex again or pay in full. I paid in full for about 2,500 if i remember correctly.

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 20:51:24 GMT

I am still shocked at the limit, I had to stand up and walk around for a min

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:03:21 GMT

OMG!!!! Congrats.

Rob

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:05:29 GMT

critterj7 wrote:
I saw on here that amex starwood seemed to be kinda easy to get with better credit lines than the delta card. So I thought I would give it a shot since I got the delta with a 1,000 dollars a few weeks ago. I applied last night and did not get the instant approval, but the check back in 24 hours reply. I checked back just now and was approved for 15,000 dollars. Once again I was floored as my scores as yesterday were EX -583 EQ - 563 TU - 624 I guess AMex these days are showing lots of love

Critter - What are your derogs??? I applied last month for AMEX delta Sky and was denied even after a reconn discussion.

Rob

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:12:24 GMT

They must have pulled from TU right?

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:14:42 GMT

They pulled EX which is my highest at 628 on that report I have 68 Lates mostly on 3 student loans, the last late was the summer in 05 1 CO on a credit card that was settled this past nov 1 CO on a checking account that was paid in full about 2 months ago

Re: AMEX Starwood

Tuscani — Tue, 19 Jun 2007 21:15:37 GMT

critterj7 wrote:
They pulled EX which is my highest at 628 on that report I have 68 Lates mostly on 3 student loans, the last late was the summer in 05 1 CO on a credit card that was settled this past nov 1 CO on a checking account that was paid in full about 2 months ago

68 lates????

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:18:52 GMT

yep 68 on three student loans that fell almost 150 days starting back in early 05

Re: AMEX Starwood

Tuscani — Tue, 19 Jun 2007 21:21:16 GMT

I am impressed... not by the Amex... but by your number lates. HEHE

Not to discourage others... but I would chalk this off as luck. Be careful as you do not want a Amex FR.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=10707

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:23:13 GMT

Actually i was just looking 18 of those lates came from the charge off on the checking account. Shows 90 days late 18 times 0 for 60 and 0 for 30 days. Can that be right? how can you be late on a non installment account?

Re: AMEX Starwood

Tuscani — Tue, 19 Jun 2007 21:27:18 GMT

Generally before CO you will see one 30, then a 60, then a 90, and then 120 each month (assuming the TL is updated each month). Whether or not the TL is sold to a JDB will make a difference as well.

Student loans are different.. it's common that lendors only report if you are 90 days late (Sallie Mae at least).

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:35:29 GMT

critterj7 wrote:
I am still shocked at the limit, I had to stand up and walk around for a min

Congrats, don't spend it all in one place!

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 21:38:58 GMT

I dont think I would do that I learned my lesson once

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 22:27:32 GMT

critterj7 wrote:
They pulled EX which is my highest at 628 on that report I have 68 Lates mostly on 3 student loans, the last late was the summer in 05 1 CO on a credit card that was settled this past nov 1 CO on a checking account that was paid in full about 2 months ago

WTH???? I can't believe I can't get one of these cards. I thought you said your EX was 583 in your OP? That's why I asked about the TU score which was the only score you had in the 600s yesterday...?

Rob

Message Edited by FICO_Focused on 06-19-2007 06:27 PM

Re: AMEX Starwood

princeromeo — Tue, 19 Jun 2007 22:30:52 GMT

yea is your experian score 583 or 620s im confused

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 22:49:41 GMT

I am sorry I messed up in the OP the ex score is 628 and the TU 583 sorry. I asked for a CLI on my org delta that has a 1000 credit and they said no but then I got this card today with 15,000. It is very strange. I have no idea how they make there decisions. I make 85,000 a year and have very little bills really. I have about 10 years of perfect car payment history. My student loans are the really the only big scars on my report besides a credit card CO that i just finished paying not long ago and a checking account charge off that was just paid as well.

Re: AMEX Starwood

Anonymous — Tue, 19 Jun 2007 22:56:33 GMT

critterj7 wrote:
I am sorry I messed up in the OP the ex score is 628 and the TU 583 sorry. I asked for a CLI on my org delta that has a 1000 credit and they said no but then I got this card today with 15,000. It is very strange. I have no idea how they make there decisions. I make 85,000 a year and have very little bills really. I have about 10 years of perfect car payment history. My student loans are the really the only big scars on my report besides a credit card CO that i just finished paying not long ago and a checking account charge off that was just paid as well.

Very similar situation here as well... But my EX is the LOWESTTTTTTTT!!!

Congrats on your Starwood Rewards. I really need to get a rewards card!!!!@#!