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Seeking AMEX app advice

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Anonymous
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Re: Seeking AMEX app advice

Honestly the thing I was most concerned about were the new accounts; Mortgage (least, actually a positive I think) 12/14, C1 QS (not reported yet but is 1 of the 2 INQ on EX) opened 1/15, Barclay opened 1/15, VS (regret opening now, damn DW) opened 2/15 and the AU C1 opened 12/14.
Message 11 of 12
Anonymous
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Re: Seeking AMEX app advice

You have several new accounts that don't show up yet with fairly low limits, a recently paid off collection that was not a paid for delete, and no older established high limit cards, although you do have an on time mortgage. But your scores are in the poor/fair range because of the collections.

 

I would chill for right now, let the new accounts report, keep your debt ratio at no more than 20%, and see where you are around June or July trying for a cli on the new cards, and letting the cli's show up on your bureaus before going for Am Ex.

Message 12 of 12
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