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Gonna be a long one ...but motivational .
Sumarizing I've been rebuilding for about 3 years , from going to court, to collections, 1 voluntary repossession ....to out of the dog house with Amex !
I was fortunate to be give a chance to join the oasis program with Amex and was given an Optima card back in the day , I've had it for like 2 years and zero credit line increase , I used the card religiously to its limit 2-3x a month paying in full several times to release more credit ... I also got other cards and other things in my journey but this is about Amex so I will keep it within. So about a month or 2 ago I called and sincerely asked Amex **bleep** and how long I would be in a dog house and with a $600 card with no rewards and no chance to upgrade or get a CLI, the rep said sorry and blá-blá-blá and said to check in a month or so for offers but nothing at this time , I've had heard it before ...
but I checked and was approved for the gold card ( which I've wanted it back badly ) then I started checking other cards and hitting apply now and getting the " your pre approved " message rather than " applying to expand your membership with us is easy " so I knew I was gonna get approved for whichever card the message came up to and I check all cards , so I was like it's now or never , so I went with a credit card too and they o my gave me $1000, but when I applied for the gold I almost got the platinum because I'm gonna travel in December and have a big family and could benefit from the bonus reswards and perks ( I will make my moneys worth no worries here ) so I applied and got approved too, then I was like **bleep** it , gonna make the complete switch and went with a business credit card as well because the one I have from BOA isn't the greatest , this way I can just use Amex and build a strong relationship ship with them, they approved me right away. I was happy with it now I have 5 Amex cards that will serve me anyway I can possibly need ( except the optima lol)
I applied for all of those because I know they won't post the inquiries on my credit profile and I also know that may AAA will drop once those cards post and I may no qualify for Amex again for a while so I figured I'd do it before they report the cards . It's January I have all the cards I'd want and won't apply for nothing for a year or more .
side note in December I bought a brand new 2022 Sienna under my business and Toyota financial asked that I co signed the loan, I was like " not sure I'd be approved " and in seconds they responded with an approval so , I think I've officially rebuilt my credit to a " happy place " it feels amazing to be able to be approved again for things .
scores as of now on fico 8 ( for credit card) are :
EQ 684 TU 702 EX 664
life is good, I have 2 cards not reporting credit line Increases from a month ago so that will boost it up a big and also paid some balances I had last reporting so that will boost it as well as I'm an AU wit brother in law BOA card and last month he got a $10k CLI that hasn't reported yet so it will be good ....
thanks e Everyone for everything !
Thats quite impressive. Congratulations 👏 Are you sure you were not hard pulled at all for at least one? Though Amex can often give follow up applications via sp , often times if a profile has some issues, they will often hard pull even a member with an established cc. Enjoy your new haul its a good one
Congratulations on your rebuild success
It's been a week and no Alerts I have my fico and 2 other credit monitoring systems and hard pulls get alerted typically same day or next , so far so good ...
Just a side note , when I accepted the oasis card thing they back dated me to when I first had Amex in 2015 , abs I've been Maxing out this card 3x or more a month for 2 years so I think they felt good about 7 years with Amex and paying in full for 2 years several times a month ... not sure abs I'm not asking lol
Congrats!
Congrats on your approvals 👍🏼
Congratulations on your Amex success!
Grats to your success!
Well done! I know that must be a great feeling to be getting approvals on the cards and cars you want! Keep up the great work!