What can I get with these scores?

Anonymous · ‎08-22-2007

TU-689

EQ-657

EX-633

No BK ever, one small hiccup collection that will go away in march 2008 ( $400 )

I am an AU on AMEX GOLD with $2000 maximium used as they don't report credit line , just the maximium used. Util all at or under 10% for credit cards and I have my own DELL $2500 line with $600 balance. No lates. I also got my own CITI Platinum plus with $2000 line. Again all under 10% utilization.

My credit dates back to 1995 on TU & EQ, but EX doesn't report my AU accounts. And it report my credit only 6 month old. Hence the score I guess. I wonder if the EX are first to drop AU from scoring this september?

Any help would be appreciated.

Message Edited by montana on 08-22-2007 06:50 PM

Message Edited by montana on 08-22-2007 07:56 PM

Anonymous · ‎08-22-2007

montana wrote:

TU-689

EQ-657

EX-633

No BK ever, one small hiccup collection that will go away in march 2008 ( $400 )

I am an AU on AMEX GOLD with $2000 maximium used as they don't report credit line , just the maximium used. Util all at or under 10% for credit crads and I have a DELL $2500 line with $600 balance. No lates. I also got a CITI Platinum plus with $2000 line. Again all under 10% utilization.

My credit dates back to 1995 on TU & EQ, but EX doesn't report my AU accounts. And it report my credit only 6 month old. Hence the score I guess. I wonder if the EX are first to drop AU from scoring this september?

Any help would be appreciated.

Message Edited by montana on 08-22-2007 06:50 PM

Ifyou want to get credit on the AU bump act sooner rather than later. try www.financeglobe.com www.whogavemecredit.com and right here in myfico is a credit card rater from poor to excellent credit (I can never figure out what I am unfortunately)

Anonymous · ‎08-22-2007

But there is stll time. It's safe to assume that TU and EQ will switch to FICO08 in January 2008, no? EX stopped using AU alltogether now. I mean at least mine doesn't show anything except one TL with DELL.

I am so confused. lol.

Thank you for your reply.

Message Edited by montana on 08-22-2007 07:27 PM

Anonymous · ‎08-23-2007

Is this true? Ex has stopped counting au's? I better have my dw check her fico. Thanks for the heads up!

Anonymous · ‎08-23-2007

DuckHunter wrote:

Is this true? Ex has stopped counting au's? I better have my dw check her fico. Thanks for the heads up!

No, all FICO scores still consider AUs.

Anonymous · ‎08-23-2007

Today, I got approved for a $2500 wamu card at the branch. I was opening a free checking with a $100 dollars and the pre-approved thing came up. The teller said that not everyone gets it like that. So anyway, I guess they go by the high limit on your TL, mine was DELL at the same amount. They pull TU. What they told me at the bank. So apparently I was good enough for them.

I will try AMEX next. Have my fingers crossed! lol.

Thank you all for you input.

Anonymous · ‎08-23-2007

Unless you don't mine the inquiry I would leave AMEX alone right now with your scores and recent inquires.

Anonymous · ‎08-23-2007

Do I have too many inquiries? What is too many?

My inquiries are:

August 23, 2007 Washington Mutual ( approved $2,500 line, cash withdrawal unknown, maybe at least 20 % like described in terms letter ? )

August 16, 2007 E Loans Inc ( not approved for a car loan, asked $10,000 )

August 14, 2007 Capital One Auto Fin ( not approved for a car loan, asked $30,000 and thought they would just set their own limit )

August 09, 2007 Citi ( approved $2000 line and $2000 cash withdrawal Citi Platinum Plus)

March 19, 2007 Bank Of America ( AMEX BOFA not approved )

February 17, 2007 Dell Financial Services ( $1,500 line at 29.99% but 0% APR for 12 month new XPS deal that's why I took it, got a bump to $2,500 limit last week , probably after 6 month usage and review , thought I never asked for it )

September 22, 2006 Advanta ( don't even remember that one but looks like an impulse apply online or something )

I will probably wait untill 05/2008 when that collection will go away, by then I should have accumulated nice FICO for repayment and all ( will be more then 6 month ). Maybe even CL increase. I will have 2 my own credit card lines, one DELL account.

Though I am still tempted............................

Message Edited by montana on 08-23-2007 04:19 PM

Anonymous · ‎08-28-2007

Approved for BOA AMEX at $500 line. too low for me, but it's a start.

Anonymous · ‎08-28-2007

montana wrote:

Approved for BOA AMEX at $500 line. too low for me, but it's a start.

Approved for BOFA Amex? They are considered prime. I have an account and can't get time of day...lol!!! Even with current cards at ten times that limit.

Congrats.