Do I improve my odds if I wait an extra month for Amex?

[Swatch]

I have existing Amex cards. I had a collections that wasn't mine on my report for 6 months, so my EX FICO was down by over 25 points. I want to apply for an Amex card as soon as they show my new EX FICO score on their site.

Would they be ok with a score that was down for 6 months in a row and is now back up to the previous level? Or should I be waiting until they have 2 pulls in a row that are higher? (I was guessing that Discover wanted mutiple in a row and not just 1 higher month.)

[SouthJamaica]

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@Swatch wrote:

I have existing Amex cards. I had a collections that wasn't mine on my report for 6 months, so my EX FICO was down by over 25 points. I want to apply for an Amex card as soon as they show my new EX FICO score on their site.

Would they be ok with a score that was down for 6 months in a row and is now back up to the previous level? Or should I be waiting until they have 2 pulls in a row that are higher? (I was guessing that Discover wanted mutiple in a row and not just 1 higher month.)

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Since they use soft pulls, and the soft pulls are inevitably a month or two out of date, I would wait.  It's possible your FICO score on their site is the soft pull they're using, though, so it might be okay to go ahead.

[Swatch]

I'm looking to find out if that's the score they use. I know they can be using month-old data, but once that updates, am I good?

[Swatch]

I'm still wondering if anyone knows. I want to avoid the Recon process.

[FireMedic1]

I think @SouthJamaica answered your question. Give it a month or 2. No rush. Internally scores will catch up again.

[coldfusion]

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@FireMedic1 wrote:

I think @SouthJamaica answered your question. Give it a month or 2. No rush. Internally scores will catch up again.

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He did answer it, and he's right.  It often does only take 1 month to catch up, but we've had multiple members here before who found out the hard way that it isn't guaranteed.

[FireMedic1]

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@coldfusion wrote:

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@FireMedic1 wrote:

I think @SouthJamaica answered your question. Give it a month or 2. No rush. Internally scores will catch up again.

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He did answer it, and he's right.  It often does only take 1 month to catch up, but we've had multiple members here before who found out the hard way that it isn't guaranteed.

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@coldfusionI should have quoted when @Swatch was looking for more posters to answer and @SouthJamaica answered his question already. Thats why I posted that. Yes he was right. ¯\_(ツ)_/¯

[coldfusion]

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@FireMedic1 wrote:

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@coldfusion wrote:

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@FireMedic1 wrote:

I think @SouthJamaica answered your question. Give it a month or 2. No rush. Internally scores will catch up again.

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He did answer it, and he's right.  It often does only take 1 month to catch up, but we've had multiple members here before who found out the hard way that it isn't guaranteed.

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@coldfusionI should have quoted when @Swatch was looking for more posters to answer and @SouthJamaica answered his question already. Thats why I posted that. Yes he was right. ¯\_(ツ)_/¯

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OP followed up specifcially asking x 2 if he was GTG after 1 month.  No one else responded that while they likely are multiple data points show that isn't always the case. 

[Swatch]

Thanks, coldfusion. My question was if if 1 was enough or if I should wait 2. I felt that I was just being told that 2 might be better but 1 might be enough. However, now you have explained it better to me.