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I received a pre approval letter for the Costco Amex TE, but my scores are currently TU 644 & EQ 640. Do they send out pre approvals based on those low scores? I really want to get this card, so I paid down my 3 credit cards to about 20% Utl, I have 2 30 lates back in 2009. My expiration date for the offer is 1/17/12, I'm planning to pay more down on my cards before the next statement date to bring it down to 5% utl. which my scores will boost up, I'm hoping.
What are my chances, I heard this is a pretty hard card to get & what bureau do they pull from?
only about 5.5years, why would they send me a pre approval with my low scores, should I even try?
Make sure you apply in store if you are going to go for it.
Hey Creditaddict, is my chances higher if app'ng in the store?
Hi GBPac12, that's my plan, I'm shrubbing & paid down alot of my cards so when the cc companies report by the end of this month it should boost up my score, I'm planning to app the day before it expires.
Is there a backdoor # for the Costco amex?? Just in case
@getahead wrote:Hi GBPac12, that's my plan, I'm shrubbing & paid down alot of my cards so when the cc companies report by the end of this month it should boost up my score, I'm planning to app the day before it expires.
Is there a backdoor # for the Costco amex?? Just in case
The Amex backdoor # is: 800-567-1083. I believe there really isn't a specific number for each of Amex's cards. Just call and let them know which card it is .
Also, next time if you need any backdoor #'s check out the backdoor #'s thread in CC's section under Types of Credit. Here is the link: http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/td-p/408066