AMEX Zync..Should I pull the trigger?

[blazerein]

My Score below is current and my total utilization with my 2 CC is 44%.  I have a new CC Cap One with 1K CL and a zero balance but still not reporting (credit step program and will be $1500 CL after 5th statement).  I have a good record with AMEX since 1995.  Four closed cards all in good standing. I know Zync will not improve my utilization but I think it will improve my score since they do backdating. My plan is to get back to AMEX and after 6 months apply for a revolving card.  I have 4 baddies on my CR all back in 2005 but all are Paid in Full. Two current baddie is from Macys Oct 2009 and GEMB Aug 2008 both have one 30 day lates (sent GW and still waiting for a response). Should I pull the trigger or wait one more month to apply?

Thanks in advance.

[Anonymous]

Did they close the cards or you?  How long ago?  Does American Express do a soft pull on Experian every few months?

[Anonymous]

I think you should wait longer since you do have recent lates. At least try to get your UTIL down first. I also have seen many people get it with 650 or so but who knows. I think you'd be wasting a inquiry if you pull the trigger.

[Gibran]

+1