I've been on a credit repair journey since February of this year to get a home. We are scheduled to close in October 2017. I know, I will NOT be applying for any credit until we close on the house.
Just wanted to share that I tried the AmEx prequalification page and it shows I am prequalified for the following. I've NEVER been able to see a prequal offer on this page. Experian score is sitting at 649 with 12% overall utilization.
1) Amex EveryDay Credit Card - 23.99% APR
2) AmEx Blue Cash Everyday - no annual fee/23.99% APR
3) AmEx Express Green Card - $0 AF first year & $95 after - no APR because balance is due in full every month.
I still don't get an offer on Capital One, and on Discover's prequal I get the 11.99-23.99% APR range, which I know doesn't mean it's a solid prequalification.
I currently have the following cards:
Capital One; April 2016 - Secured $500 limit
Capital One; February 2017 - Authorized User - $5,500 Limit - card has been open since April 2013
NFCU; March 2017 - Secured $1,000 limit