topic Re: AMEX and Fico Score in General Credit Topics

AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 02:57:53 GMT

Hello.... First off this is my first post on the forum. Nice to be here thank you. Quick question I thought I would ask some of the experts here. I am looking to get an AMEX card. Would actually prefer the Delta Skymiles since I would use it a lot to get Skymiles and fly when I can. Getting married in a year so all the purchases I make would mean more miles to use for honeymoon plane tickets. I have a Fico score of 698 and was wondering what I would be likely to be approved for. I am hoping I would be approved for the Skymiles card, but if not that is ok. Everyone feel free to comment and I look forward to other's responses. Thanks! -David

Re: AMEX and Fico Score

Tuscani — Tue, 26 Jun 2007 03:00:25 GMT

Welcome.. Amex will pull EX. What is your EX score? Any baddies? Delta is one of the easiest (if not the easiest) Amex card to get.

Be sure to read the Scoring 101 thread.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:04:47 GMT

I was approved with a 678 on 6/23 and the used EX. I also applied for the honors card wait for that approv. so don't know yet.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:18:19 GMT

Hello... What does EX mean? I am assuming Equifax? If so I just pulled up and funny thing is it says 615?? How can I have a 615 there and Transunion has me at 698? Hmm that is weird! Well doubt I will have much luck with a 615 if they pull the Equifax report then.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:20:15 GMT

EX= Experian

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:22:35 GMT

Hmm not sure what my Experian score is..... As of now TU is 698 and Equifax is showing 615. That is a HUGE difference.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:24:13 GMT

go for it.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:25:07 GMT

you can get all three true Fico's not Faco's here at myfico.

Re: AMEX and Fico Score

girlie — Tue, 26 Jun 2007 03:26:19 GMT

they pulled all three reports for me and my lowest was 635 at the time i believe. you will probably be okay. good luck.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:28:46 GMT

Thanks guys....just hate to apply for it and to find out I won't get approved and have the hit or inquiry on my report. I had some issues awhile back but they have dropped off and my credit has improved. Just to say it was around 465 about six years ago and I am now getting it back up again. I will probably sign up and get all three scores tomorrow and see what they say.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:30:25 GMT

I got it and my report is dirty...real dirty

Re: AMEX and Fico Score

fused — Tue, 26 Jun 2007 03:32:16 GMT

so_confused wrote:
I got it and my report is dirty...real dirty

How dirty? Lates, charge-offs, collections?? What is your FICO EX score?

Message Edited by fused111 on 06-25-2007 05:32 PM

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:31:51 GMT

Really...care to say what your scores were? If not I understand and thank you.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:34:10 GMT

have 7 judgements(paid 2004) 4chargeoffs(paid2004) no lates no derogs since....EQ=678 EX=661 TU=651

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:36:54 GMT

Hmm ok how about this...was just looking and I applied for an AMEX back in December of 2006. Though it has been almost seven months since I did and I didn't get approved. I can't remember what card I was going for at that time. After seven months of no late payments and everything will that matter? I haven't had a late payment for several years now.

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:37:27 GMT

sorry got those wrong EQ=691 EX=678 TU=661 ....sorry

Re: AMEX and Fico Score

fused — Tue, 26 Jun 2007 03:49:05 GMT

so_confused wrote:
sorry got those wrong EQ=691 EX=678 TU=661 ....sorry

Your scores are pretty good, considering you have so many judgments and charge-offs. You should try an GW all of these paid judgments and charge-offs. Might work, might not but you have nothing to lose. Use this thread, courtesy of Tuscani and Noah_Brodie

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:55:50 GMT

judgements ...hard to get off...have to let them fall...they are recorded in the county record...

Re: AMEX and Fico Score

Anonymous — Tue, 26 Jun 2007 03:57:47 GMT

I just did a few GW with the charge offs...but I am concerned that its going to kill my scores ...they are my oldest accounts showing 21 years...bummer!

Re: AMEX and Fico Score

fused — Tue, 26 Jun 2007 04:00:07 GMT

so_confused wrote:
judgements ...hard to get off...have to let them fall...they are recorded in the county record...

Once anything is paid, of course it's harder to get it deleted. Anything can be deleted, some are just harder than others. Your EQ and EX scores are good enough to be approved for the card you want. If you apply and your approved, at least you will have a new TL to build on. Sort of like diluting all of the pollution on your CR's with a newly planted green tree.