Amex Premier Rewards Gold , Amex Delta Gold and PayPal Credit Approval! [ EX 619 | TU 633 | EQ 631 ]

[Anonymous]

Hey guys this is my first post after lurking here for about a year and a half. I'm rebuilding after a second student loan default and just wanted to share something with this board that has given me so much in the way of advice, knowledge and expert insight into credit. Up until about 2 weeks ago I had a couple of baddies (collections 1 for electricity which was totally wrong and another for an old phone bill which sure should've been canceled because of a relative passing away but I guess Sprint had other ideas about charging me, even after providing proof) which were finally removed thanks to the efforts of Collection Shield 360 (thanks again for the tip guys) for which I did a premium trial-- both baddies were taken care of in under 45 days! Awesome!!

I apped for PayPal credit a few days ago and was instantly approved for a SL of $2250 (They pulled Equifax, which appears to be a bit of a departure for them, I was a 631 EQ Fico 8 at the time) and was totally psyched and decided I would look into some cards to apply for. I do have a relationship with Comenity as I got an Express card $1000 limit from an SL of $350 and a Victoria's Secret Card $600 Limit from SL of $300, that I got a year ago using the SCT.

I already have 2 Capital One cards [QuicksilverOne $500 Limit (1.2 YR AOA) and a Quicksilver $500 Limit (5 Mo. AOA) ] as well as a $500 Limit Wells Fargo Secured Platinum (2 YR AOA) so I went for Amex as I know they will approve a thinner file.

I know they generally pull EX and wasn't sure if they would approve me with a EX 619 and 1 yr AAOA  but I decided to have a go at it and was instantly approved. I wanted to app for a credit product with them as well so I went for the Delta Gold and was instantly approved for a $1000 SL. I appreciate this community immensely and I hope that my data points will be useful to someone lurking or posting here. Cheers!

P.S. I did get a bit bold and I apped for the Uber Barclaycard that's been tempting, I got a 30 day message and instantly called for a recon. It was a no-go due to the status of my student loans, which I'm actively trying to clean up.

Income: $80,000

EX: 619

TU: 633

EQ: 631

Baddies: 4 student loans in chargeoff after a second default. No missed payments on any credit accounts and Credit Check Total says I had 2, and the most recent was 27 months ago, from reporting on my twice defaulted on Student loans.

https://i.imgur.com/PJkgIMt.jpg

https://i.imgur.com/g3MDzfD.jpg

EDIT: To fix image tags

[Anonymous]

Welcome to MyFICO

Congrats on the approval.  Well done

[kidink1911]

Congratulations on your approvals!!

[Anonymous]

Congrats! That’s fantastic for you. Amex still won’t stop laughing at my futile attempts at gaining entrance into their club.  

[Anonymous]

congrats!

[Anonymous]

Thanks guys! I'm psyched and I'm glad to establish a relationship with them and grow, especially because I seem to be at an impasse with Capital 1 and Wells Fargo won't graduate me.

I have never seen or heard of anyone with a 619 being approved but for some reason I felt like I had a chance. Now to fix my student loans and get in with Barclay's and Penfed, who accepted me but my Promise app is under review. I'll recon tomorrow and hopefully have a success story to share!

[sdsoccerdad]

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@Anonymous wrote:

Congrats! That’s fantastic for you. Amex still won’t stop laughing at my futile attempts at gaining entrance into their club.  

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That's how I felt for the longest time!