Barclaycard Amex question

[Anonymous]

I'm gardening right now, improving credit and waiting for a year now as I also have not enough sufficient information to generate a tu fico score. But I was curious, does Amex or Barclay care if you have a paid judgment on your report? It's due to fall off September 2018.

[Anonymous]

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@Anonymous wrote:
I'm gardening right now, improving credit and waiting for a year now as I also have not enough sufficient information to generate a tu fico score. But I was curious, does Amex or Barclay care if you have a paid judgment on your report? It's due to fall off September 2018.

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You can be approved with a paid judgment if the rest of your file is strong enough.  

[Anonymous]

amex does not like baddies on reports. 

as far as barclays from my experience they get concerned about utilization

[CreditCuriosity]

Amex will look over things if other things in your profile are strong...  Aka the good far outweigh the bad.. At least that is w/regards to my case..This is why in my opinion even if you have lates or baddies and you can't get them removed, keep adding some positive tradelines as they tend to drown out the baddies to some extent.

I also have 4 car loans perfect, house payments perfect, only a few things I messed up on, so maybe they look at the whole picture..  Can't live without a house or car, but I could live without a cc.  so had to make tough calls at certain times in life.

[Anonymous]

I have five revolving accounts in perfect standing right now. And all my baddies should be gone except the paid judgment. So I'm thinking about just gardening for a year or six years, and then trying for Barclaycard or whatever offers are good

[Anonymous]

I have a very large unpaid judgement, (tax lien), in my file and was approved last month both by Amex and Barclays.

[Anonymous]

Sweet thanks for the info guys

[CreditCuriosity]

General rule > 660 experian might get you in... perferred >680 should get you in with Amex on the Delta or ED or as some people say a charge card... once in, scores really don't matter so much its your internal score with amex and payment history that matters and will get you the BCE, etc.

Obviously your profile and Income do matter though with that being said.  Such as utilization, DTI, etc.

[Anonymous]

Well hopefully soon I should be able to get my fico scores, then I can see where I stand

[joeyoey]

Nothing new to add here except to agree with what others have said.  I was approved for AMEX in October (& just got approved for PRG) & I had a paid judgement & several charge-offs.  I think as long as the good outweigh the bad, there's some time since your last "baddie" & AMEX can see that you're headed in the right direction, they'll give you a chance.