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Amex denied - Thin Credit file - Update: approved

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Established Contributor

Re: Amex denied - Thin Credit file - Update: approved


@Smartplayer wrote:

In December of 2018 I applied for the discover secured credit card. I got approved with a $400 limit. For the next few months I used the card and slowly built my credit up a bit. I've read a few threads on this forum of people with thin credit files getting approved for credit cards after six months. So this past saturday (June 22) I checked Amex prequalified page and saw I was prequalified for the delta gold. I thought that I'd go ahead a try my luck on the Amex green card. I got instantly denied based on my thin file and a pull of my credit score being 749. I wanted to ask. What's the next best step to diversifying my credit profile ? 


So you went from no credit history to a 749 FICO 8 score in six months with one secured card?

 

Maybe it happens a lot, but this is the first time I've read of such a great score in so little time! You're doing great! Congratulations on your Amex approval!

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

New CRADIS contacts, bearing 1 carom 10. Just think of EQ, TU, and EX as Cylon Basestars.

Message 11 of 14
Established Member

Re: Amex denied - Thin Credit file - Update: approved


@CassieCard wrote:

@Smartplayer wrote:

In December of 2018 I applied for the discover secured credit card. I got approved with a $400 limit. For the next few months I used the card and slowly built my credit up a bit. I've read a few threads on this forum of people with thin credit files getting approved for credit cards after six months. So this past saturday (June 22) I checked Amex prequalified page and saw I was prequalified for the delta gold. I thought that I'd go ahead a try my luck on the Amex green card. I got instantly denied based on my thin file and a pull of my credit score being 749. I wanted to ask. What's the next best step to diversifying my credit profile ? 


So you went from no credit history to a 749 FICO 8 score in six months with one secured card?

 

Maybe it happens a lot, but this is the first time I've read of such a great score in so little time! You're doing great! Congratulations on your Amex approval!


Yeah, My secured discover is my first card. I used it heavily over these past 6 months. Constantly paying it down and zeroing out my balance most months. With the occasional balance being left a few months unintentionally. Thanks for the welcome.

Message 12 of 14
Regular Contributor

Re: Amex denied - Thin Credit file - Update: approved

Congratulations on your recon!!!!     Welcome to the Amex family !!! 

Message 13 of 14
Contributor

Re: Amex denied - Thin Credit file - Update: approved

Congratulations on the successful recon and new Amex card!

FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU FICO 8 Scores 6/16/2019 770 EX 798 EQ 791 TU

WF Cash Wise $18,800 [] PenFed Power Cash $20,000 [] BOA $4,900 [] HSBC Cash Rewards $2,750 [] Discover It $4,600 [] Maurice’s $5,000 [] CO Savor $15,000 [] NFCU Flagship $10,000 [] Amex Rose Gold [] Walmart $800
Message 14 of 14
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