@stickbowbuilder wrote:getting and building credit is frustrating lol. according to this site and the three credit agencies I'm running 689 eq, 738 tu and 689 according to the amex denial letter the fico score on april 30th was 691. reasons were, too few accounts paid as agreed. length of time your accounts have been established. no information about installment loans on my report (they were paid on time, in full back in 06 and 08 and show that on the report). length of time my revolving accounts have been established and finally too many inquiries in the past 12 months. what is frustrating is on Equifax I have 24 months of on time, never late payments on a 1000.00 credit line with low %. I have watched my scores climb from low low 600 to what they are now and I KNOW I need to let the new credit soak, n
but grrrrr!. no baddies, 7300.00 in total credit line with under 3% util and 10 inquiries. will amex and chase EVER pop open for me??????
Well, I've seen some of the other responses, but let me give you some hope: I just recently (as in within the last week) got both an AMEX Plenti (thinking it would be an "easier" foot in the door with AMEX) and an AMEX PRG - with an EX score of 667. It's entirely possibly to gain approval with lower scores, but it is truly about your credit profile. I had a couple other cards with a $5k or so limit, low utilization, a couple installment loans with a few years of good payments, etc. Point of fact, every card in my sig EXCEPT the Cap One and Merrick was approved in the last month. Sometimes you hit everyone up at the right time (and recon is your friend).
Hang in there!
