So excited to finally see pre approvals on some websites. My EX jumped to 711 as of yesterday. I applied last week to Amex BCE and was denied at 681 score. Saying too high of utility. My utility hasn’t gone down. It will around 18th of month since I finally comprehend the concept of statement cuts and reporting numbers. I wonder if getting the denial in some way helped being I was denied but showed my credit going upward ? I still won’t apply. My overall UTI is 80 percent. So once I get all 3 my accounts under 30 halfway through month I think I’m going to pull trigger again. Got pre approved for delta skymiles.
No derogs. EX as of 7/1 711 2inq EQ 690 as of last week 3 inq tU 680 as of last week. 4 inq
Hoping to be at 750 range after updates. As of now
Credit union CC 450/500 Target not reporting yet Kohl’s 650/700 QS1 99/300
Ex says : average age is 5 yr 4 month Oldest 19 years 11 months.
Ex has a 30 day wait after a denial, usually. Maybe because I was already a member but I was denied for the Gold card on 5/8/2019, but then approved for BCP on 5/23 and for that Gold on 5/27...
That’s good to know. I cold apped last week thinking 680 was good enough but today I just went on pre approval and say pre approval for delta with 35k sub.
