Chances of getting in with Amex?

[09Lexie]

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@Anonymous wrote:

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@Anonymous wrote:

Is the collection paid, and if so for how long?  Is there anything you can do to bring down your util?  

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The collection is not paid, I helped a "friend" move into an aparment 5 years ago and that was that, never paid. total balance on that is $5900 it shows as a joint account. I am just going to bring down my util to the low teens and app in a couple of months, I'd hate to get denied with amex again (ive applied about 6 months ago with no luck)

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A $5900 collection account is going to be difficult to overlook for any lender.  Have you tried a PFD?  I would work on clearing up your CR and app'ing  for an Amex later

[ojefferyo]

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@Vegas247 wrote:

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@Anonymous wrote:

Hello, just watned to know what the general odds are of getting approved with American Express,. I have a experian fico of 634, util of 37% , 1 collection account, 3 other CC's, 1 auto loan paid on time for over a year. AAOA 1.2 yrs oldest 5.7yrs

I am thinking about applying for the Amex Everyday or BCE

I really want another card that is not capital one (which is all i have), i have the platinum and quicksilver both for 500, express (comenity) for $750.

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I was approved last year with a EX score of 658 for a credit limit of 1k (now at 9k with CLIs) with a $45.00 parking ticket collection (unpaid) and a satisfied judment....

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$45 and $5900 is a big difference

[Vegas247]

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@ojefferyo wrote:

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@Vegas247 wrote:

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@Anonymous wrote:

Hello, just watned to know what the general odds are of getting approved with American Express,. I have a experian fico of 634, util of 37% , 1 collection account, 3 other CC's, 1 auto loan paid on time for over a year. AAOA 1.2 yrs oldest 5.7yrs

I am thinking about applying for the Amex Everyday or BCE

I really want another card that is not capital one (which is all i have), i have the platinum and quicksilver both for 500, express (comenity) for $750.

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I was approved last year with a EX score of 658 for a credit limit of 1k (now at 9k with CLIs) with a $45.00 parking ticket collection (unpaid) and a satisfied judment....

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$45 and $5900 is a big difference

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Ya, with a $5,900 unpaid collection, I would think you would get turned down. My $45.00 parking ticket at the time was about 4 years old......It's now 5 years old, and still not paid. NOT going to pay it. LOL unless they agree for a pay for delete.