AMEX

[eddymvp]

What score do I need to get approve and where do they pull from?

Message Edited by eddymvp on 03-28-2008 01:20 PM

[Anonymous]

They normally pull EX and it depends on what card you are looking into?

[MidnightVoice]

Real or fake Amex?

They pull EX usually

[Anonymous]

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eddymvp wrote:
What score do I need to get approve and where do they pull from?

Message Edited by eddymvp on 03-28-2008 01:20 PM

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Depends on which card, as underwriting standards are different for each of them.

The easiest cards to get from them are the Green Charge Card and the Gold Delta Skymiles Credit Card.  You should be able to get either of them with EX 620s or so, no baddies in at least the last two years, no BK reporting, and no history of defaulting with Amex.

YMMV.

[eddymvp]

My score with EX is 600, TU: 623 and EQ: 622. I don't have any BK. The reason why my score are so low was because I was 120days deliquent on a few sallie mae student loans back in 2005. I haven't been late on anything since that.

[Anonymous]

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eddymvp wrote:
My score with EX is 600, TU: 623 and EQ: 622. I don't have any BK. The reason why my score are so low was because I was 120days deliquent on a few sallie mae student loans back in 2005. I haven't been late on anything since that.

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For Amex, EX is likely the only score that matters.

I've seen approvals in that range for the two cards I mentioned above, but plenty of denials, as well.  It could go either way, IMO, although if I had to guess I would say you probably wouldn't get it.  Sorry.

[eddymvp]

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@Anonymous wrote:

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@eddymvp wrote:
My score with EX is 600, TU: 623 and EQ: 622. I don't have any BK. The reason why my score are so low was because I was 120days deliquent on a few sallie mae student loans back in 2005. I haven't been late on anything since that.

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For Amex, EX is likely the only score that matters.

I've seen approvals in that range for the two cards I mentioned above, but plenty of denials, as well. It could go either way, IMO, although if I had to guess I would say you probably wouldn't get it. Sorry.

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I don't think I will get it either, so I will wait until my score go higher.

[Anonymous]

I was in the 620-630 range when I got my card and they gave me a 8k limit.  I would say give it a shot, that's the only way to really know.

[unknown_entity]

Which AMEX did you get with those scores?

[Anonymous]

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@unknown_entity wrote:

Which AMEX did you get with those scores?

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I got the gold delta, but did the product change to Blue.