Amex Pre-Quals

[simplynoir]

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@Wrigley2172 wrote:
Sure:
Ex:764
Eq:764
Tu:769
I only have one Disco card
College student
Age of account: 2 years 8 months
No baddies

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Thank you kindly! If you don't mind me asking are you rebuilding or building your credit up at the moment?

Edit: nvm I saw your edited post there. I'll edit mine to add info you provided so there's no confusion.

[Wrigley2172]

Currently building. I edited my DP's for more info sorry to be stingy the first time lol

[simplynoir]

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@Wrigley2172 wrote:
Currently building. I edited my DP's for more info sorry to be stingy the first time lol

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All good! Whatever you're comfortable with sharing is fine but definitely the more the better lol

[Wrigley2172]

Actually the lesson to be learned is dont Myfico in math class haha you cant type fast enough before the teacher notices😝

[Remedios]

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@Wrigley2172 wrote:
Currently building. I edited my DP's for more info sorry to be stingy the first time lol

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Your oldest account...student loans by any chance? 

How old is your Disco card? 

The interrogation continues 

Thank you! 

[Wrigley2172]

No current loans but will be taking one out later this year for my seinor year. My Discover card is 2 years and 8 months. I am also an AU on dad's cap 1 card. 12k income which i also put into the amex prequal

[Remedios]

@Wrigley2172   Thank you for putting up with us and answering million questions! 

[Wrigley2172]

You're welcome! Ive learned a lot on these forums and I am finally glad one popped up a credit noob like myself can be of help with! Haha

[Anonymous]

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@simplynoir wrote:

@Wrigley2172and @Anonymous

Any chance either of you could provide info: credit scores, current cards, and so on so we can better understand when this is offered to prospective customers wanting an AMEX.

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As of 4/23

Experian - 700 (Used the Experian Boost to raise it from 681)
Transunion - 701
Equifax - 690
FICO BankCard Score 2 - 686
FICO BankCard Score 8 - 706

Current Cards:
Capital One Platnium: 2450
Synchrony Care Credit: 7000

Credit Utilization: 22%

Income: 102,000

Debt-to-income Ratio: 20%

Currently have a mortgage, student loans, and 1 car payment. 

Average Age 7 yrs 5 mos
Oldest Account 14 yrs 1 mo

No inquiries in over a year, 2 that hit the 24 month mark in June and October.

However, I do have some marks. 3 Medical collections, one falls off next. A couple of late payments (30,60) on a First Primer from many years ago. I just new that would disqualify me, or at least only with a SL of a couple of hundred bucks. Even with a 700 I felt like my credit history was crap based on collections and older late payments. 

Applied for the Discover IT that same day after encouragement from the board. $12,500 straight off the bat. Got the card today but I'm still in shock. 

Also, no screenshots of the "upto 2K spending limit" from Amex last night. I usually screencap everything. 

[Anonymous]

I'm currently rebuilding,

Fico8
Equifax: 680

TransUnion: 685
Experian: 672
Income: $104,000

Card Utilization: 30%
Total Balance on credit cards: $1,725 of $5,840
Student Loans: $25k

Car Loan: $2.2k

I close on my FHA Loan on May 10. I paid off my $2,500 collection account on March ~15th or so.

On 4/17 my scores were 
Fico8

Equifax: 647
Transunion: 644
Experian: 672

Will I have trouble qualifying for Amex Gold? I'll be able to use a lot of the benefits with my work and I think it'd be a great fit.