CreditOne Amex Approved for $400

[Anonymous]

I was checking Experian and it said I was pre-approved for this so I decided to go for it.  I am just ecstatic!  This is the first unsecured general credit card I have.  Details:  Credit One Bank American Express Credit Card with 1% Cashbank, 23.99% Interest Rate and $39 Annual Fee, with a $400 credit limit. 

They checked Experian Fico 8, and I have a 659 score.  My Experian score was influenced by: Insufficient Number of Accounts; Number of Records; and Recent Inquiries.   I had 5 inquiries on Experian within the last 12 months prior to that with the last one on 7/30/20 (when I joined a credit union). I have 9 open accounts, with 5 open credit cards (4 secured and 1 as authorized user), 2 retail cards (Firestone and Fingerhut), and 2 secured installment loans (1 with Self).  I should also mention that I have 3 open medical collection accounts that are 4 years old and will be on my report until 2023.

[JoeLuvsHisCredit]

[FinStar]

Congrats on your CreditOne AmEx approval @Anonymous.

[AllZero]

Congratulations on your approval!

[gdale6]

Grats on your C1 Amex

If you wish to take care of those medicals:

Medical collections are some of the easiest to get removed from your CRs, here are the steps that you should follow to address them:

1. Call the OC and see if insurance can be billed, (or-rebilled), collections ultimately paid by insurance get removed per new rules that came from CRAs settlement with 22 state AGs. If not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help, this process cannot be discussed in any forum of myFico.

[Anonymous]

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Congratulations to you! 

[M_Smart007]

Congratulations!

[Anonymous]

@Anonymous 

so when you applied for the CO AMEX, they only HP'd your EX?

[dudefromtx]

Congrats on your approval!

[coreyb80]

Congrats on the approval!