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Getting there.....

Moderator Emeritus

Getting there.....

My reported EX util dropped below 20% today for the first time in over a year. Feels good. Was at 80% before Christmas.


I decided to try the preapproval link at Amex. Like the dozens of times before, I was expecting the trite, "Unfortunately.....". However today, Amex came back with preapproved offers for the Green and Gold. Now I have no use for any new CCs and passed, but had to share this. It is a milestone. My days of bad credit are no more.


Though it did get me wondering...I opted out two weeks ago in anticipation of a future mortgage app. How does opting out impact preapproval sites like BofA or Amex?

Message 1 of 4
Moderator Emeritus

Re: Getting there.....

Congratulations!!!!!  I'm looking forward to the day when Amex will be my friend.  Way to go!!
Just puttin' syrup on something, don't make it pancakes.
Message 2 of 4
Established Contributor

Re: Getting there.....

That's great news! It's a sign of better credit.
Message 3 of 4
Moderator Emerita

Re: Getting there.....

Congrats IIecs! Aaaaah... doesn't it feel good?!?


Regarding having opted-out, It will take a few more weeks (maybe up to a couple of months) and then when you go to the BoA & Amex pre-approval sites, they shouldn't have offers for you.


Friendly, Supportive & Respectful

Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources

"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 4 of 4