AMEX Delta Gold Help

[User1109519]

Thanks for the info on annual fees for AU's! $850 per year sounds like a lot for a "pretty card". Lol 

AMEX put my score at 624. A bit better. 

AMEX and NFCU are paid in full. Just haven't updated yet. Maybe that will help. 

Next month I plan to pay off Mathis Brothers and Target. Then start attacking UNIFY. 

I've considered opening a $20,000 loan from UNIFY and pay off the $9,700 I owe them on the existing loan, plus all my cards. Your thoughts?

[User1109519]

UPDATE

Actually there IS a Collection Account; only $500--it wasn't there a couple of months ago. It's just a hospital bill. They said if I PIF it will 100% vanish. Would one tiny little $500 collection account make a big difference if I pay and remove it?

[JM427]

@User1109519 Yes, in the Fico 8 Model, one small unpaid collection can have a big effect.

[OmarGB9]

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@User1109519 wrote:

UPDATE

Actually there IS a Collection Account; only $500--it wasn't there a couple of months ago. It's just a hospital bill. They said if I PIF it will 100% vanish. Would one tiny little $500 collection account make a big difference if I pay and remove it?

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Yes a collection can make a huge difference as it is a major derogatory. 

[Boribori]

I chose the plat for my first Amex because with me having an ex FICO 645 I knew if I had accepted the delta gold they would've given me a $1k SL. With the plat I have a NPSL and $6,000 POT. I travel often and can easily use most of the benefits.