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Finally got an AMEX

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Valued Member

Finally got an AMEX

First,  have been lurking on here for at least the last 6 months as I have been repairing my credit. Long story short I messed up with my credit, some of it not knowing better some not caring but one day I woke up and wanted to not worry about getting a house or car so decided to educate myself. Fast forward around 6 months later and around 100 points higher I can now say I have finally gotten an AMEX card. I have never been able to get one before. I got the Gold Skymiles Delta with a instant SL of 1k. Still waiting for it to get here to see if it goes any higher but I am more than happy with that. 

For some background I started with a Discover IT secured card that is still in the process of graduating followed by an unsecured Cap 1 card with a $300 SL. Creditkarma said I have a fair chance to get this card and since I still had the pulls from Cap 1 earlier, less than a month ago, I decided to give it a shot since these pulls will all drop around the same time and I was instantly approved! I was shocked.

To end this story, I happened to read something else about NFCU and the scores needed to get a card from them. I have been a member for a long time but burned them in the past and decided to push my luck with them since I am 2 months paid in advanced on my car loan and havent missed a payment for my old closed card in over 2 and a half years. I was approved for thier cashRewards card witha SL of $15k! I couldn't believe it. Also may have app'd for a PayPal cash back card, Synchrony gives me 0% interest from thier SCRA and I have been eyeing this card for awhile. Got it too! $300SL but that's fine since I will be gardening until at least this time next year. It will have time to grow.

DPs: Scores around 630 across the board, lowest around 614 on the Fico 9 score

HP's around 15 across the board as well. I will reply with what was pulled in the morning.


Message 1 of 19
18 REPLIES 18
Frequent Contributor

Re: Finally got an AMEX

Congratulations mate, good job!Congratulations_misti.gif



Message 2 of 19
Established Member

Re: Finally got an AMEX

Congratulations! 


---Gardening until---
11/20/2017 FICO Scores: EQ: 633 |TU: 619 |EX: 659
10/03/2018 FICO Scores: EQ: 630 |TU: 663 |EX: 647 (I know I'm slacking...SMH but work in progress)
01/30/2019 FICO Scores: EQ: 656 |TU: 675 |EX: 668
03/17/2019 FICO Scores: EQ: 668 |TU: 688 |EX: 684
Goal: 720+ Across the board

Personal:

Business:
Message 3 of 19
Frequent Contributor

Re: Finally got an AMEX

Congrats on the Amex! And nicely done. You're doing a great job there. 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 4 of 19
Senior Contributor

Re: Finally got an AMEX

Congrats!!!


Message 5 of 19
Regular Contributor

Re: Finally got an AMEX

Congrats. That's awesome. Plus a great SL on your NFCU.
Message 6 of 19
Valued Contributor

Re: Finally got an AMEX

Congrats on your progress thus far and joining Amex Smiley Happy.



Message 7 of 19
Valued Contributor

Re: Finally got an AMEX


@Tach916 wrote:

... I was approved for thier cashRewards card with a SL of $15k!


You buried the lede, my friend. What a breath-taking approval, especially when placed aside the other two. Despite reports of "belt tightening" and closing of purse strings, it seems good 'ol Navy can be counted on to go where no other lender dare. 

So Congrats! to you, T. And thanks for sharing the DPs so others might learn from your experience. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 8 of 19
Senior Contributor

Re: Finally got an AMEX

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 9 of 19
Valued Member

Re: Finally got an AMEX

Thanks everyone! As promised here are some more DP's:

AMEX: Experian, myfico said my score was a 620 at the time of the pull.

NFCU: Transunion, believe they use Fico 9 score.

PPXCR: Transunion

 

Older pulls from about a month or 2 ago.

Cap1: Experian, Equifax, and Transunion

DiscoverIt: Equifax


Message 10 of 19
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