how hard is it to get an Amex

[Anonymous]

I have rebuilt my credit i still have 3 Charge offs from BOA and Chase back from feb 2008 which they are not scheduled to come off till 02/15 its the only negative that i have 1 inquire for 2014 but i have re established credit since 12/13 with 2 cap 1 , kays since then but i opened lowes,walmart and chevron in 08/2014 . My utilization is about 48% what are chances of getting any amex fico score is 680. I have older accounts car loans and mortgages paid off back in 2006 ..so the only negatives that i have is the 3 charge offs. Do u think i have any chance. I keep getting emails for the amex everyday but i think its general email to everybody.any advice would be greatly appreciated.

[ojefferyo]

I would bring down the utilization to under 30% just to be on the safe side unless you have a somewhat thick file

[Anonymous]

If those C/O's are coming off in a few months I would certainly wait for that and then get your Util down a bit. That should put you in great shape, but your income may be a factor as well.

[Anonymous]

---

@Anonymous wrote:
I have rebuilt my credit i still have 3 Charge offs from BOA and Chase back from feb 2008 which they are not scheduled to come off till 02/15 its the only negative that i have 1 inquire for 2014 but i have re established credit since 12/13 with 2 cap 1 , kays since then but i opened lowes,walmart and chevron in 08/2014 . My utilization is about 48% what are chances of getting any amex fico score is 680. I have older accounts car loans and mortgages paid off back in 2006 ..so the only negatives that i have is the 3 charge offs. Do u think i have any chance. I keep getting emails for the amex everyday but i think its general email to everybody.any advice would be greatly appreciated.

---

You should be fine if you bring down your utl.. Go for an Everyday.

[Anonymous]

Well my utilization should come down since i was approved for 2 diners 40k

[Anonymous]

20k preimer and 20k elite

[Anonymous]

---

@Anonymous wrote:
Well my utilization should come down since i was approved for 2 diners 40k

---

Yes. When they start reporting...

[Anonymous]

Chances are it wont be till 01/2015 that they start reporting if they even do.

[Anonymous]

---

@Anonymous wrote:
Chances are it wont be till 01/2015 that they start reporting if they even do.

---

So, you might not see that 14 MSD..?

Try going for a charge card like a PRG.

[baller4life]

If I remember correctly, I got my Delta Gold with like a 667. I still have a $0 Cap One chargeoff and a repo deficiency balance on EX. Delta is the easiest revolver to get I've read numerous times. I apped for the Amex ED and was denied. I plan to close Delta next fall once my EX is clean and I get the ED. I'm allergic to annual fees. It was just a way in to Amex for me. The sign up bonus was nice as well.