AMEX with Med Collection?

[knoregs]

I have an unpaid medical collection from April 2010. Fortunately it only reports on TU. EX is clean. (like my conscience)

Last time I app'd for AMEX they double pulled me, both EX and TU. Question is... Is the collection a no go for AMEX?

~kn

[myjourney]

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@knoregs wrote:

I have an unpaid medical collection from April 2010. Fortunately it only reports on TU. EX is clean. (like my conscience)

Last time I app'd for AMEX they double pulled me, both EX and TU. Question is... Is the collection a no go for AMEX?

~kn

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No its not a no go but question why did they deny last time? Waht are your scores?

[09Lexie]

How much is the CA?

[knoregs]

The CA is for $2100... This is for a future app and scores will be 720+ and UTIL will be <10% before apping. My AAoA will be 1 year in July.

~kn

[09Lexie]

IMO, it really comes down to a double/triple pull. If you wait until your AAOA is 1 yrs old. You might sneak in on Exp. that's a large amt for a relatively new debt. Are you trying for a charge or revolver?

[knoregs]

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@09Lexie wrote:
IMO, it really comes down to a double/triple pull. If you wait until your AAOA is 1 yrs old. You might sneak in on Exp. that's a large amt for a relatively new debt. Are you trying for a charge or revolver?

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Earliest I see applying is August so AAoA will be north of 1 year but more likely October or later. I'll be trying for a charge to get my foot in door with the real goal being BCP next year.

~kn

[09Lexie]

IMO, if you don't want to risk the possibility of a second/third pull- I would go with the charge, wait 6 mos after approval and get your revolver. If you have an inq to waste ( hopefully it won't be a waste) app for the card you want...you might get lucky.

[JonStur]

I wouldn't apply just yet...