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@quest208 wrote:
Why zync and not green (or gold)?
Cause without a FICO we can't be sure, with a FAKO at that much you can most likely get a Zync.. imo.
Do you know what your file looks like on EX?? If it's the same as EQ i'd see what your FICO is on this website and try for a charge card (Zync, Green) with AMEX if its over 660.
@-Cain- wrote:
I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.
They may pull multiple reports for revolvers tho if your scores are iffy. I don't think they do that for charge cards.
@PetRaccoon wrote:
@Anonymous wrote:
It was a freescore.com I'm not sure...I believe they give out Vantage scores, which are FAKOs..
I think you can apply for a Zync, but I can't say for sure if you'd get a Green.
They are actually TransRisk scores and therefore useless. VantageScores are used by a few lenders (Chase uses the VS for some decisions but not exclusively) but the wideapread use of VS's has not happpened yet.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@MarineVietVet wrote:
@PetRaccoon wrote:
@Anonymous wrote:
It was a freescore.com I'm not sure...I believe they give out Vantage scores, which are FAKOs..
I think you can apply for a Zync, but I can't say for sure if you'd get a Green.
They are actually TransRisk scores and therefore useless. VantageScores are used by a few lenders (Chase uses the VS for some decisions but not exclusively) but the wideapread use of VS's has not happpened yet.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
*barf*
Edit: My TransRisk wasn't too far from my TU98 FICO though..
Edit2: Then again my reports are clean of negs, For someone with negs I bet they'll vary much differently.. (As well as loans ect)
@LS2982 wrote:
@-Cain- wrote:
I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.They may pull multiple reports for revolvers tho if your scores are iffy. I don't think they do that for charge cards.
Amex pulled my EQ and EX reports when I apped for the Blue card and the Platinum card. My FICO scores weren't iffy, both scores were around 750. Sometimes there is no rhym or reason with what Amex does.
@LS2982 wrote:
@-Cain- wrote:
I've read on this forum that the criteria for the AmEx charge cards was the same, just the benefits and AF differed. I was shot down twice for the Zync and was approved for Green, so who knows.They may pull multiple reports for revolvers tho if your scores are iffy. I don't think they do that for charge cards.
so its "easier" to get a charge card than it is for a revolver? i think i read that in another thread.....obviously im trying to soak in as much info about amex before may 2012...sometimes the info just slips out of my head i cant retain it all.