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Delta AMEX gold approved with 643!

cship10
Contributor

Delta AMEX gold approved with 643!

Have been working to get my husbands credit score up. Paid off a ton of smaller collections that were 1,000 and under, got him on a car note with me, his income has also shot up. He does however still have 4 collections- two medical collections which happened 2 years ago, one collection for 9K from 6 years ago that is out side of SOL and a personal loan also from 4 years ago. We are going to pay the persoanl loan collection and they already delete if its over 2 years old once paid even if settled for less than full. Also several paid Charged off credit cards that were secured from 2016 which I paid all of them last year (citi, discover, first progress, and cap one were charged off but now paid in full) 

 

I do randomly check his pre-qualifiers to see if anything pops up. To my suprise Amex showed a pre-qual for Delta! Gave an instant approval for 1,000 dollars. His highest limit is 1,500 from our credit union however I do have him as an authorized user on several of my cards that have 30K limits. He also has a creditone with 600 dollar limit and a blaze with a 600 dollar limit. I'm planning to close the credit one for him with the new amex approval! 

 

He was beside him self and excited to have his foot in the door!! 

BK discharged 10/7/2014
Current Scores MyFico TU: 753 EQ: 773 EX: 668
Cards: NFCU CashRewards 48000 | NFCU Flagship 32000| Huntington Voice 18,000 | Citi AA 33,000 |BB&T 4500 | Cap1 V 33500 | Sony 7000 | TVA Employee CU 10,000 | WF Propel 15000 | Sync BananaR Visa 10,000 | DCU Visa 15000 | Overstock 11800 | Sync Lowes 25000 | Sync AE 7000 | Sync Amazon 10,000 | Sync Belk 10000 | NFCU CLOC 15,000 | Citi Costco 9,700 | First Bank 8000 | Bestbuy Visa 10,000 | HomeDepot 5000 | BBVA CP 10000 | Macy's Store 11,300 |
Installments WF Mortgage $257k | Y-12 FCU HELOC 16,000 | Mercedes-Benz Lease | Mercedes-Benz Lease | DCU Auto Loan

AAoA 3 yrs 7 M
TONS of Inquires :-p
Message 1 of 12
11 REPLIES 11
AllZero
Super Contributor

Re: Delta AMEX gold approved with 643!

Congratulations on DH approval!

Message 2 of 12
sassynycgirl
Established Contributor

Re: Delta AMEX gold approved with 643!

Congratulations on the approval!

Message 3 of 12
Ficoproblems247
Valued Contributor

Re: Delta AMEX gold approved with 643!

Congrats to DH! Hopefully you won't have to wait too long to use up all those skypesos from the SUB! 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 4 of 12
seattletravels
Valued Contributor

Re: Delta AMEX gold approved with 643!

Congrats to DH!



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 5 of 12
James_A
Senior Contributor

Re: Delta AMEX gold approved with 643!


@cship10 wrote:

... I'm planning to close the credit one ...


Good plan. Smiley Wink Congrats! on DH's approval. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


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Message 6 of 12
M_Smart007
Epic Contributor

Re: Delta AMEX gold approved with 643!

Congratulations!

Message 7 of 12
19eighty5
Senior Contributor

Re: Delta AMEX gold approved with 643!

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 8 of 12
Mv350
Valued Contributor

Re: Delta AMEX gold approved with 643!

In the door! Congrats to DH!

Message 9 of 12
angelwingz
Valued Contributor

Re: Delta AMEX gold approved with 643!

Congratulations on DH's approval! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 10 of 12
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