Amex approval odds?

[EAJuggalo]

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@Anonymous wrote:

I got declined for a blue cash with a 680 score. Close to 40k total limit between 8 cards with under 1% UTI

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And very little credit history.  If you're going to give a data point please tell the whole story.  AAoA and how many cards in the last 24 months?

[Anonymous]

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@EAJuggalo wrote:

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@Anonymous wrote:

I got declined for a blue cash with a 680 score. Close to 40k total limit between 8 cards with under 1% UTI

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And very little credit history.  If you're going to give a data point please tell the whole story.  AAoA and how many cards in the last 24 months?

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AAOA the CRA is reporting it at 3.2 years. I got all 8 cards within the last year plus 3 or 4 store cards that I hardly use. Got my first credit card 16 years ago. Credit been idle since 2007-2008. My report was pretty much blank when I was rebuilding almost a year ago. Beside a charge off from Wells Fargo in 09 and 3 collections from Comcast. Comcast collections I disputed and was removed from my credit

[Anonymous]

 I got approved for a PRG yesterday with a 669 experian 08 score. Gonna wait a little more before going after BCE or anything else. upper 680's/690's would be a safer bet i believe.

[Anonymous]

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@Anonymous wrote:

 I got approved for a PRG yesterday with a 669 experian 08 score. Gonna wait a little more before going after BCE or anything else. upper 680's/690's would be a safer bet i believe.

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Congrats on your approval.

I never would've thought of a 669 approval (no pun)!! Again, congrats.

[Anonymous]

Is 669 a tad lower than what prg normally approves at? Haha.

[Anonymous]

Well, again, no pun intended. It's my subjective opinion that I never would've thought a 669 would make a PRG cut -nothing more and nothing less.

With that being said, both, the PRG and CSP are mine come this December -I'm just waiting on some inquiries to fall off. I'm at 3/24 with Chase and in good terms with Amex. Just waiting for my scores to reach 760 across but most importantly, my inquiries to fall off. 

I want a clear and instant approval on both. None of that "recon" stuff - "ain't nobody got time for that!"

EDIT: Typo.

EDIT 2: And again, for the tremendously "curious" I'm on 3/24 with Chase and in good terms with Amex. So, no biggie  

[Anonymous]

I was approved for a BCP and PRG with a 645 score. Far from clean report.  

[Gneuroth]

I was denied for ED with 650 fico back in December, only reason given was fico score too low. Hope that helps.

[Anonymous]

Denied for ED with AmEx website Prequal.

Time of app:

655 08 EX. 1% UTL  AAoA 3yrs  Total 11.4

30,60 day late Installment, PIF Collection 1.1yrs since occurance.

Cited Collection for denial.

[Anonymous]

 Guess it goes to show everyones profile is different