Accepted by Amex with a very bad credit profile

[Crossgamerhd]

Hey guys, 

I'm in process  of rebuilding my credit. 

I got a 40k au total with one charge off from chase still active. Hoping to pay off after I move out this year

Anyway, i finally hit barely "good" credit with a 675 ex and Tu and 686 eq

I decided for fun to apply for Amex. 

I went to their site and checked their pre qualify link. I was pre qualified for 3 cards including the gold card

I was like **bleep** why not.

To my surprise, I was expected to get declined

Boom, I was accepted for  Amex gold. I already have it here with me. I had a bunch of crappy cards I'm gonna dump well just not waste time using anymore. Just use my gold card. 

I'm just curious how did Amex decide to approve me while other banks  still dont want to touch me. 

I'm really happy and grateful to Amex.

Hope to apply everything I learned in the last two years into good use and manage my expenses and finance well. 

Oh also for anyone wondering I also make 90k lol not lot of money but I still have 6 late payments and 5 charged off all recent. Barely year old.

[Elpadrino1]

Congratulations on your Amex approval!!

[Crossgamerhd]

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@Elpadrino1 wrote:

Congratulations on your Amex approval!!

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Thank you! 

Was really unexpected and really made my weekend. Really grateful to Amex. 

[CreditMagic7]

Congratulations on your new Amex approval!!

[babygirl1256]

Congrats on your Amex Gold Card approval. This is a fantastic opportunity for you and perhaps you should consider trying to negotiate removal of those charge-offs and late payments. Another six years is a long time (to me) waiting for the negative information to purge. Best wishes with your credit rebuild. 

[Howaboutthat]

Congrats on your Amex approval, by the way $90,000.00 isn't chump change. 

[Crossgamerhd]

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@babygirl1256 wrote:

Congrats on your Amex Gold Card approval. This is a fantastic opportunity for you and perhaps you should consider trying to negotiate removal of those charge-offs and late payments. Another six years is a long time (to me) waiting for the negative information to purge. Best wishes with your credit rebuild. 

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Hi there, i've tried to. i've been very unsuccessful. they said they have reported everything correctly and unable to change anything at this time. 

honestly, i'd pay to have them removed but seems impossible so far.

and thanks

[TSlop]

Congrats on your approval!

[coreyb80]

Congrats on the approval!

[gdale6]

Grats on your Amex gold approval!!!