Hi guys. sorry if this post is a bit off but I'm new here. I was just wondering what are my chances of getting approved for an Amex. I got the green card in December 2010 (EX: 740) and then out of nowhere in March 2011 I got a letter telling they are closing my account without any explanation other than the standardized "it could be for one of the following reasons" bull**bleep** despite numerous calls to cusotmer reps. I pulled my credit report again and was shocked to find out that my score tanked to 585 because of a medical bill that went to collections because they sent it to the wrong address. I paid the bill and slowly recovered up to EX: 682 in Oct 2012.
My last 2 HP were supposed to fall off in September so I just recently pulled myFICO and got: EX: 618, EQ: 680, TU: 673. I have no idea why EX tanked since I expected to break 700. I got my Experian 3-bureau report and what I got was EX: 762, EQ 762, TU 681 and for some reason both EX and EQ stopped showing my Amex history or my paid collection.
As far as my finances go I have one Chase Freedom (since 2010) with 5k limit and pay it off every month. Yesteday I got automatically approved for Citi Diamond Preferred with 6k limit and Discover it (limit yet uknown).
So, my question is what are my chances of getting and Amex. I plan to apply sometime between December 2013 and March 2014 ti make it exactly 3 years since the "incident". Ideally, I would like to get the Gold one this time and after about a year upgrade it to Platinum. What are the chaces of that happening?
Also, do you guys think that Amix will hold my "history" with them against me?
Thanks in advance for any help.
