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I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
Did you apply for a charge card or a revolver? Revolvers are much harder to qualify for, so a charge card would be a foot-in-the-door at least. I'm sure as your derogs age more, your scores will go up, just give it some time.
@indiolatino61 wrote:
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
Did you apply for a charge card or a revolver? Revolvers are much harder to qualify for, so a charge card would be a foot-in-the-door at least. I'm sure as your derogs age more, your scores will go up, just give it some time.
But why is my FICO so low? i thought after i paid off my derogs then itll be fine, and being that i was approved for chase and discover im having a hard time believing that the FICO will ever see light and grow to a better score. i am just kind of in Awe that my score is that low and it sucks.
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
You are in the garden so work on getting baddies removed while your scores rebound....You had to many INQ's but you didn't know so know you know...
With the year of gardening like we explained to you those things won't effect you much and at that point you may stand a better chance with Amex
Now back to the garden Lol
@myjourney wrote:
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
You are in the garden so work on getting baddies removed while your scores rebound....You had to many INQ's but you didn't know so know you know...
With the year of gardening like we explained to you those things won't effect you much and at that point you may stand a better chance with Amex
Now back to the garden Lol
FYI
Amex has its on scoring system they just supplied you with a CR they pulled and I'm willing to bet on you they pulled 2
@myjourney wrote:
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
You are in the garden so work on getting baddies removed while your scores rebound....You had to many INQ's but you didn't know so know you know...
With the year of gardening like we explained to you those things won't effect you much and at that point you may stand a better chance with Amex
Now back to the garden Lol
Well now that i am gardening, how do i remove the baddies off my CR? this is what i am trying to figure out and wrap my head around... i am doing well with my credit limit and showing usage so whats the trick with the scores
There really is no "trick" other than paying your bills on time month over month and keeping your util low. You could -try- and recon but a quick once-over of your history, time since delinquincy, and current CL's says they probably won't approve you.
Keep up the good work, rebuilding credit takes lots of time and patience.
@NewBreed wrote:
@myjourney wrote:
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
You are in the garden so work on getting baddies removed while your scores rebound....You had to many INQ's but you didn't know so know you know...
With the year of gardening like we explained to you those things won't effect you much and at that point you may stand a better chance with Amex
Now back to the garden Lol
Well now that i am gardening, how do i remove the baddies off my CR? this is what i am trying to figure out and wrap my head around... i am doing well with my credit limit and showing usage so whats the trick with the scores
You can't really remove them as such. They stay on your credit report for 7.5 years (BK remains for 10), but they'll hurt your score less and less over time.
Your 2 CCs are frankly extremely new, and your collection 3 years ago is still relatively recent for such a major derog.
The main thing you need to do is keep establishing a good history, PIF on time, avoid any more derogs, and most of all time.
@NewBreed wrote:
@myjourney wrote:
@NewBreed wrote:I just got a denial letter from amex i appled for like 2 weeks ago and apparently my FICO is 623
I was denied on
"Serious deinquincy, and public record or collection filed" - but i paid ALL of it off totalling 1800 (yeah thats it only 1800 freakin sucks) from like 3 years ago.
"length of time accts have been established" - i have 1 car (5 year history on credit) - 1 Cap one with 1 year history and 1 Cap 1 with 5 month history
"time since derogatory public record or collection is too short" - idk what that means, but everything is paid off
"too few accts currently paid as agreed" - i am never late on anything!?
HOW in the world can i get approved for an AMEX... i am gardening untill about October, would that do the trick?.... and why the heck is myt FICO so low
Ive been approved for Chase Freedom and Discover IT just this past week.
You are in the garden so work on getting baddies removed while your scores rebound....You had to many INQ's but you didn't know so know you know...
With the year of gardening like we explained to you those things won't effect you much and at that point you may stand a better chance with Amex
Now back to the garden Lol
Well now that i am gardening, how do i remove the baddies off my CR? this is what i am trying to figure out and wrap my head around... i am doing well with my credit limit and showing usage so whats the trick with the scores
Whatever baddies you have on your CR's do a search or start a thread for each in rebuilding forum...great help there.
As for score keeping using your cards while your working on those baddies your scores will increase with time
You will see another score drop when new cards report due to all the INQ's if I remember right 2 new accounts but don't let it get you down they will rebound in about 6 months or so
See you in the garden fellow gardener