@Anonymous wrote:
@Anonymous wrote:Experian usually. My guess still remains that you will be instantly approved.
Interesting, so I wonder why Amex did a soft inquiry to get my information from Equifax to send me out promos in late Dec 2011. I just found this out reviewing my Equifax report, by the way. Thanks for the quick response. I sure hope so!
Amex pulls EX for their charge cards, but they could go with any bureau for their revolving cards. I have no idea why they differ in this way.
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
@tinuviel wrote:
@Anonymous wrote:
@Anonymous wrote:Experian usually. My guess still remains that you will be instantly approved.
Interesting, so I wonder why Amex did a soft inquiry to get my information from Equifax to send me out promos in late Dec 2011. I just found this out reviewing my Equifax report, by the way. Thanks for the quick response. I sure hope so!
Amex pulls EX for their charge cards, but they could go with any bureau for their revolving cards. I have no idea why they differ in this way.
I don't think AMEX trusts anyone completely on revolvers on just 1 report. They want to see ALL skeletons in the closet (or at least 2 out of the 3). Probably different if your an existing cardholder. Really no rhyme or reason with them on it.
@Anonymous wrote:I recently pulled my scores and report from freescore because I was curious at where I stood. I know their scores aren't true Fico scores, but I was wondering what you guys think my odds are. I think its time to add a new card, and I want to diversify with an Amex, as well as boost my score with more revolving accts. FYI, I went onto the Amex website and did the pre-approved/pre-screened offers thing, and they have three card offers for me: Blue Sky, Delta Miles Gold, and the regular Amex Blue, but I don't want those. They have also previously sent me pre-screened offers in the mail for the Green, Gold and Zync Cards.
Age: 27
Income: 32K
AAoA: 3yrs 4m, but longest card open is my Visa - 4yrs 5m
3 Hard inquiries on Equifax only from 09/10
Never missed any payments, and all on time. No baddies ever.
Only have 2 credit cards. One with Macy's $0 balance and I never use it, CL of $100 and Visa with my Credit Union balance of $905, CL of $4k My over all Utilization is about 22%. Also, I've carried a balance on my Visa for quite a while, but will be paying the current balance off in full next month. I don't intend on carrying a balance any more.
TU: 710 EX: 702 EQ: 695 - Scores according to Freescore.com
*Edit* I pulled my EQ on myFico and its 751!
To all that answer me, I appreciate your input. Thank you in advance!
I'm twenty one, make a little bit more, my scredit history was twenty months when i applied. I also had a Macy's with an unknown limit and an Amazon with a $2380 limit. My utilization was either zero, or at most 5%. I also have never had any lates or anything negative. I applied and it said it needed more time to process, less than one minute later I checked the online status and approved! I had to ring them to find out the limit and was shocked that is was $10,000. They looked at Experian and it was only about 731 I think. I think your odds are pretty good since your credit history seems to be better than mine.
@nada9188 wrote:
@LS2982 wrote:
@tinuviel wrote:
@Anonymous wrote:
@Anonymous wrote:Experian usually. My guess still remains that you will be instantly approved.
Interesting, so I wonder why Amex did a soft inquiry to get my information from Equifax to send me out promos in late Dec 2011. I just found this out reviewing my Equifax report, by the way. Thanks for the quick response. I sure hope so!
Amex pulls EX for their charge cards, but they could go with any bureau for their revolving cards. I have no idea why they differ in this way.
I don't think AMEX trusts anyone completely on revolvers on just 1 report. They want to see ALL skeletons in the closet (or at least 2 out of the 3). Probably different if your an existing cardholder. Really no rhyme or reason with them on it.
I was brand new to amex when applying for them. It was for a revolving card, and they only pulled experian.
No rhyme or reason right there 