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Finally Approved for AMEX!!!

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Established Contributor

Finally Approved for AMEX!!!

So I've been frequently going to the AMEX pre-approval site just to see if I'll pre-qualify some day. Yesterday, I was actually pre-approved!! I know I should've waited until my Wells Fargo card reported a lower balance since I paid it down to $300 instead of the $781 it's reporting, but I'm just too impatient. I hit that apply button and APPROVED!! Only $500, but man does it feel good! Not sure what changed, but it might have been one of my old student loan accounts being deleted that did the trick. I still have 2 accounts with 120+ lates (from 7 years ago), and 2 accounts in collections (at least for Experian, which they pulled, and are also 7 years old).

 

Just wanted to share some data points for others! You can also see what other cards/loans I have in my siggy, and I use the AZEO method.

 

Applied For:  American Express Blue Cash Everyday

CRA Pulled:  Experian

Score:  651

Lates/Collections:  2 accounts showing 120+ from 7 years ago/2 accounts (medical) from 7 years ago

Approved:  $500

 

LOVE YOU GUYS!! HeartHeartHeartHeartHeartHeart

I’m probably never finding that garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
44 REPLIES 44
Regular Contributor

Re: Finally Approved for AMEX!!!

Congrats and welcome to the AMEX family!!! Enjoy Smiley Happy




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge
Message 2 of 45
Frequent Contributor

Re: Finally Approved for AMEX!!!

Congratulations on your approval and welcome to the AMEX family!

Message 3 of 45
Established Contributor

Re: Finally Approved for AMEX!!!

Use the heck out of it, PIF, then do it again!!  Good luck in 61 days!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 15k = DCVR MILES 7k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 9k, 14k

FICO scores TU 764 EX 739 EQ 745
Message 4 of 45
Contributor

Re: Finally Approved for AMEX!!!

Congrats!  That is a positive start with Amex... nice work!

Message 5 of 45
Established Contributor

Re: Finally Approved for AMEX!!!


@JustBPatient wrote:

Use the heck out of it, PIF, then do it again!!  Good luck in 61 days!!


Was just about to ask how long I should wait before asking for a CLI. This is the last card I wanted, so I'm definitely going to be sippin some hot apple cider in the garden for a while. I've been using my Discover IT card in place of my debit card and just PIF on that one. Now I'm going to have to split it between my AMEX and Discover so I can get CLI on both. It's a little harder keeping track of how much money I have doing it this way, but I make sure I only spend what I actually have in my bank account. I can't believe I'm being such an adult and making responsible decisions! Feels pretty good!

I’m probably never finding that garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 6 of 45
Valued Contributor

Re: Finally Approved for AMEX!!!

Congrats! Q on joining the Amex club.

And thank you for sharing the DPs. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 7 of 45
Valued Contributor

Re: Finally Approved for AMEX!!!

Way to go!!! So happy for you!

 



















Your FICO credit scores are not just numbers, it’s a skill.

Message 8 of 45
Valued Contributor

Re: Finally Approved for AMEX!!!

Congrats on your Amex BCE approval! Smiley Happy






Message 9 of 45
Valued Contributor

Re: Finally Approved for AMEX!!!

Congrats on the approval. For the accounts showing from 7 years ago, have you tried EE for them?


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 10 of 45
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