topic Re: Upcoming goals in Rebuilding Your Credit

Amex goals?

Anonymous — Tue, 29 Dec 2015 03:52:58 GMT

Well in September I was sitting on all 3 scores under 500 and now I'm almost at all 3 past 600. In September my goal was to have 600 by December and get one barclay card. Well now I'm here and I have 2 barclay cards with almost all 600's. The next goal is to get Amex Delta. I know they mainly pull EX and I only have 1 open collection on there from over 2 years ago and no lates within the past 9 months. (charged off account in may) which I am GW to get fixed. I’m also attempting to settle that collection so hopefully that will help with the score a lot. Utilization is currently around 30% but as of next week it should be under 10%. What are your recommendations? What can I do to get on the path to joining amex, and what do they look for in a first time card holder? all help is appreciated! Thanks!

Re: Upcoming goals

Anonymous — Sun, 27 Dec 2015 17:02:55 GMT

Experience and transunion both up today!! Ex 587 > 602 and tu from 599 > 614

Re: Upcoming goals

elim — Sun, 27 Dec 2015 17:08:24 GMT

are all those accounts new? and reporting?

Re: Upcoming goals

Anonymous — Sun, 27 Dec 2015 23:26:35 GMT

They are all open in or after July of this year and are all reporting. My utilization is at 30 right now but should drop to under 10 this week

Re: Upcoming goals

Anonymous — Mon, 28 Dec 2015 00:25:22 GMT

Discover is also another goal. Does anyone have suggestions on what to do with my reports/current cards to help with approval for discover or amex delta?

Re: Upcoming goals

Anonymous — Tue, 29 Dec 2015 03:52:44 GMT

Any insight?

Re: Upcoming goals

Anonymous — Tue, 29 Dec 2015 21:58:38 GMT

While American Express is not inquiry sensitive they are deffinitely going to see all the new accounts. You are probably better off allowing your accounts to age six months or more before applying for American Express even if you did get approved it would be for a very small SL and would be difficult to grow.