I was told by an Amex representative that I can ge... - Page 2 - myFICO® Forums

Anonymous · ‎01-25-2017

Yes, I'll update, thanks.

Anonymous · ‎01-25-2017

Just received a fico alert from Equifax that my score went up 16 pts. My new EQ score is now 645 from 629.

AverageJoesCredit · ‎01-25-2017

Nice increase

Anonymous · ‎01-25-2017

Thank you, but I wish it could be much higher.

Anonymous · ‎01-25-2017

Your score will get up there! I have zero patience though so I understand....

Let us know if you get an approval!

JustBPatient · ‎01-25-2017

Great advice. Check prequal, soft pull if denied and I agree with letting EXP go up a little. I would shoot for a minimum of 680+....YMMV. Good luck!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745

austinguy907 · ‎01-25-2017

@JustBPatient wrote:
Great advice. Check prequal, soft pull if denied and I agree with letting EXP go up a little. I would shoot for a minimum of 680+....YMMV. Good luck!!

If you HAVE a card already with AMEX you can't do that.

If you HAVE a card already then you can apply and it's a SP if denied in lieu of being able to PREQUAL.

Score has very little to do with an approval since they evaluate more than just score when deciding on whether to approve or not. They have internal data scoring that occurs outside of just using a FICO like most lenders. The lenders that base it more on score are smaller lenders and CU's since they can't afford the software and systems needed to do a custom scoring evaluation en masse.

Anonymous · ‎01-25-2017

If you do not currently have any installment loans, (Auto, mortgage) etc. you can look up the SSL technique to bring your scores up 30+ points. It's in the Understanding Fico Scoring part of this site. I did this and it raised my scores 30+ points from the 690's to 720-730's. Good Luck with AMEX.

Anonymous · ‎01-25-2017

SSL Technique? Could you explain that a bit please and how it works?

Anonymous · ‎01-25-2017

It's basically taking out a secured loan and adding an installment account to your credit report. It really works if you do not currently have an installment loan.

I learned about it on this site. Somewhere near the end of this thread you'll see my data points.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Adding-an-installment-loan-the-Share-Secu...

I was told by an Amex representative that I can get declined if my delinquencies are two years old..

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

I was told by an Amex representative that I can get declined if my delinquencies are two years old..

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Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

Re: I was told by an Amex representative that I can get declined if my delinquencies are two years o

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