CK flaunting Amex Blue Cash...

[Anonymous]

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@Anonymous wrote:

CK kept flaunting the BCE every time I logged in even though they don't pull EX. I opted to just check the Amex pre-quals which is a soft pull. It listed the BCE, BCP, and ED card with a specific APR%. I took that as a good sign and I applied for the BCE and got instantly approved with an EX of 663, 1 collection item, and other negative marks at the time.

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Awesome thanks for the info!

[Anonymous]

I got a pre qualify from nerd wallet so I went ahead and got declined with a score of 650. I have some late payments from the past but I did some researching after that and went to Amex's site and tried the pre qualify and it said no matches found but nerd wallet still said I was pre qualified. So from now on I will go staright to the issuers site for these.

[Anonymous]

So we are clear
CK is good for Free access to data on one's credit profile

NOTHING about their 'odds' should be seen as ANYTHING other than what it is

And that is APP-BAIT for their PAYING advertisors, period.

Anymore discussion or analysis is just NOT an intelligent use of time...You can dissect and parse words all you like but advertisers PAY the bills, so the system is set up to encourage as MANY apps as possible to make advertisers happy

The more apps, even a few EXTRA ill-advised ones help justify the COST of participation in the honey trap business model set up by CK

It's our job to grab the meat and ignore the bone...Yes I know CK "needs" some babes to become Lost in the woods in order for the model to be financially feasible but it doesn't have to be the well informed, non emotional logic based folks here, does it?

Other than being designed to be as intriguing as Vegas bright lights to tongue roll would be gamblers there is ZERO value in CK 'odds'

'Odds' of which that use TU only inspired Vantage scores to 'predict' the odds of approval using
A) Who knows which CRA +
B) Using FICO scores not Vantage

Can you say entertainment purposes only...In other words 'fantasy league'
Move on, nothing to see here
STOP
Trying to create real cash from Monopoly money, it will NEVER be real money
You're welcome

[EAJuggalo]

I got a Hilton Amex a couple weeks ago with a 653 and high utilization.  No baddies on a file with a history of just over one year.  It has a SL of $1,000 but I'm in the door with them. 

I would wait until your numbers are a little better and you get the collection taken care of before trying with Amex.

[Anonymous]

I utilized CK to watch my credit scores downward spiral prior to my BK filing.  

In the 4 months after I filed BK 7 (and before I found this site) my score rebounded from the 300's to the low 600's (with help from my DW separate,  unsullied credit ). Right before I was discharged,  I was assured by CK that I had a Good or Very Good shot at a number of cards including with B of A (which had been IIB for a whole lot of money).

Nothing could have been further from the truth. I was denied fast. After two apps, I realized I was being stupid and needed to stop. 

I found this site, read and read, and formulated at half assed plan back. So far these boards have Very Very, Very accurate and I'd trust them more than CK. 

As far as the Pre Qual sites go, a little note:

My DW's scores are in the low-mid 800's, good annual salary, no baddies at all (credit wise we are separate, except I am now an AU on some of her cards)  she gets Pre Approved offers from AMEX weekly or every other week, I ran her info through the AMEX Pre Qual site and it returned nothing so go figure. 

[Anonymous]

I'm in a rebuild right now but hoping to add an Amex within the next year...that's a big goal of mine. Currently in dispute mode (divorce/conflicting info), and seeing what I can get knocked off before I do PTD on any remaining baddies. My recent history is perfect, and I'm hoping that's taken into consideration, and I can get an ED or BCP once my scores bump a little more. I'm taking advantage of that SP prequal on the Amex site as my scores increase, and hoping to eventually see a YES.