Amex gold approval with a 667 Experian and a 729 vantage 3.0 score with 100k as my reported income. I can prove more but i just switched to commision and I have been reporting and proving 70k so I did not want to trip any flags. I was in denial till i saw the card with my name on it.
1750 is my carry over limit and it seems like 5k is my max.
Discover sees my income since I have my debit account with them. So I did a pre qual for a second line of credit and got approved along with a CLI of 1k on the other line of credit.
I was high of that win and through my reserch saw that you can pre qualify with amex and I just gave it a shot!
I have done 3 car loans every 6 -7 months to thicken my credit file. I work in the car industry and with my tenure and sales for the brand I get auto approved within reason for the brands in house credit. I have 13 good files on my experian report paid as agreed.
I just got a townhouse with a co signer and a new car.
I went from a mid 430s on my equifax and in 20 months got it to a729 granted things did age off. While in the same period I got 2 starter cards that are now canceled. I am also an authorized user on 3 cards one has a 24 year history and a 16k limit and one has 10 years with a 8.8k limit.
Long story short at the time of the AMEX app I had 24 hard pulls. I have 1 bad mark on my transunion (718 score), 2 bad marks on my Experian (667) then 4 stubborn ones on my Equifax (729) that is somehow is my best score? Now as you guys say, it's time to garden for many years. I bullied my way into 5 major credit cards after canceling those starter cards.
Did not want to over share for my first post but I recognize this may be a good data point so I joined just to report this and join the community I have learned so much from.
