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Zync Approved !!

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CS800
Super Contributor

Zync Approved !!

Finally after 1 year of rebuilding and with the help of this board, I got approved for an AMEX Zync !!

 

My first prime card in 5 years Smiley Happy




Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Zync Approved !!

Congrats!

Message 2 of 11
Anonymous
Not applicable

Re: Zync Approved !!

Congrats!! I'm sure you'll be excited when it comes in, I get lots of compliments with mine, as people just kind of want to know what it is since it's not seen very often.
Message 3 of 11
Anonymous
Not applicable

Re: Zync Approved !!

Congrats and Welcome to the Amex Club

Message 4 of 11
CS800
Super Contributor

Re: Zync Approved !!

Thanks, I figured it's a good way to re-establish a relationship with AMEX and try for a BCE in a year or so.

 

I didnt have a charge card in my mix plus this card will be backdated to 2001. So I hope to benefit from the credit mix and on the AAoA.




Message 5 of 11
mAndrew1980
Established Contributor

Re: Zync Approved !!

Awesome! I'm dying to the join the Amex family myself. Do you mind telling us how bad your credit was a year ago?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 6 of 11
CS800
Super Contributor

Re: Zync Approved !!

A year ago all my scores were between 489 and 515. It was a combination of high util, many lates (30, 60, 90 days lates) and 4 collections.

 

Armed with what I have learned here, I started to pay down my balancesfrom 110% to right now around 73%, GW many of my lates(50%) but not all and had 2 collections removed.

 

Also there were some inaccuracies on my credit reports so it was hours going through my reports and contacting the credit bureaus and havethem fix credit limits, DOFD's and account information. I also was AU on two cards that had more than 4 X 90+ day lates. I had myself removed from these accounts

 

Many many hours on this board and writing GW letters and on the phone.




Message 7 of 11
Anonymous
Not applicable

Re: Zync Approved !!

awesome, congrats!

 

 

Message 8 of 11
mAndrew1980
Established Contributor

Re: Zync Approved !!

Geez, great work! What are your scores now? I just might be able to pull off an Amex myself in a year if you were able to do it. I just had one paid collection GW'ed and I'm currently attempting a second. I have a third that will fall off in Spring -- which would leave me only with one (which I'll  start GW'ing as soon as it's fully paid in 2 months).

 

WOW, reading this is really giving me hope. Thanks so much for sharing and congrats on being in the Primest of All Families.

 

 

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 9 of 11
CS800
Super Contributor

Re: Zync Approved !!

I only noticed a hard inq on my TU so far and it's 665.

 

One of the collection I have is 12 months short of being removed from my credit report, so it's old and my remaining lates are from 2007.

 

I used to have an AMEX Optima platinum years ago and that card was always in good terms, PIF in full. I closed it since I wasnt using it. So I guess in AMEX's books, I was a good customer. Plus they have their own internal scoring system. But by golly I'm glad I got in.

 

And you will too don't worry.




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