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Jay,
I think AMEX almost exclusively pulls Experian. You may want to try whogavemecredit.com for what they pulled for others. I can tell you that at the time I applied was 6 months ago and I had an EX score of 700. I don't know what their cutoff is but I have heard of people with 680's getting the card. I think once you pay off the credit card debt there shouldn't be much problem score wise. However AMEX is a crazy beast and you never know what they are going to do.
However I do love the card and they haven't taken any action against me yet.
When I apply my AE Costco DEC 2008 . My EX 695 and I apply in store and take 2 days to approve.
Good luck
@Donks3369 wrote:Jay,
I think AMEX almost exclusively pulls Experian. You may want to try whogavemecredit.com for what they pulled for others. I can tell you that at the time I applied was 6 months ago and I had an EX score of 700. I don't know what their cutoff is but I have heard of people with 680's getting the card. I think once you pay off the credit card debt there shouldn't be much problem score wise. However AMEX is a crazy beast and you never know what they are going to do.
However I do love the card and they haven't taken any action against me yet.
In my experience in 2007 they did pull all three credits, or
at least including Transunion..
Kulin,
Ouch, they pulled all 3? That really sucks.
Jay,
I don't think it matters whether you do it online or in the store, they will both be processed the same.
Actually, if you apply in store they take your picture and if your card is approved, they will put the picture on the back of the card and send it you. If you apply online and approved, you still have to goto store and have them take you rpicture and then put it on the back of the card and mail it to you. So if possible applying in the store can be better, but I am not sure if it would have any bearing on the approval process. As per Costco card approval, besides your score, your purchases with Costco store also would weigh heavily on the approval.
Concorduser,
Actually, if you apply online and are approved, they will just use the picture that is on your Cosco membership card. There is no need to go back into the store just to get your picture taken.
But I agree with others that they also look at your Costco purchases, so watch out for that.