Amex BCE

[Skye12329]

I was wondering if anyone could give me a rough estimate on weather or not i would be approved yes i know it all depends but what do you all think and what should i improve?

1. Util is less than 15%
2. Payments 100%
3. AAOA 1YR 4mos last account opened in may 2013
4. Total accounts is ten half is cards the other half student loans
5. 10 inquiries half of those are car shopping 1 is from a bank
6. Income is 49k
7. Rent, but i dont pay anything.
Been at my job for a year.
8. No derogatory marks

Am i missing anything?

[myjourney]

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@Skye12329 wrote:
I was wondering if anyone could give me a rough estimate on weather or not i would be approved yes i know it all depends but what do you all think and what should i improve?

1. Util is less than 15%
2. Payments 100%
3. AAOA 1YR 4mos last account opened in may 2013
4. Total accounts is ten half is cards the other half student loans
5. 10 inquiries half of those are car shopping 1 is from a bank
6. Income is 49k
7. Rent, but i dont pay anything.
Been at my job for a year.
8. No derogatory marks

Am i missing anything?

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How many of those INQ's are from this year

[Crashem]

Yes. Key is your experian fico. As for inquiries, 10 on experian? Need existing cards and limits.

[Skye12329]

Probably about 5 or 6 are this year because i was car shopping this year and opened a new bank account this year.

[myjourney]

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@Skye12329 wrote:
Probably about 5 or 6 are this year because i was car shopping this year and opened a new bank account this year.

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You could probably explain that if needed on recon but Amex can be hard to recon w/o another HP....

Experian score 680?

[TheClub]

What are you current cards and limits? This may be a factor in us helping to determine your eligibility.

[Skye12329]

Im not sure my score might be around low 700 to mid also if i check my fico is it hard or soft

[myjourney]

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@Skye12329 wrote:
Im not sure my score might be around low 700 to mid also if i check my fico is it hard or soft

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Checking does not affect your scores or reports 

[TheClub]

Whenever you check your own credit report it's considered a soft pull.

[Skye12329]

Even for fico? Because i haven't gotten my free one yet