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AMEX PERSONAL LOANS @ 6.98% WORTH IT???

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Anonymous
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Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???

Annotation 2019-04-08 145436.jpg

Must be new!

Message 21 of 29
Anonymous
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Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???

@UncleB I assume you have over 10 total accounts making it a thick profile, ... is your youngest account under 12 months old?
Message 22 of 29
UncleB
Credit Mentor

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???


@Anonymous wrote:
@UncleB I assume you have over 10 total accounts making it a thick profile, ... is your youngest account under 12 months old?

Yeah, I've had an account under 12 months old for a while, but sometimes I get close to 12 months.  I have over 20 accounts total.

Message 23 of 29
Anonymous
Not applicable

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???

@UncleB I think we’re on the same scoresheet, C2, the only thing questionable is the threshold on oldest account ...do you know what your no revolving account penalty is?
Message 24 of 29
UncleB
Credit Mentor

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???


@Anonymous wrote:
@UncleB I think we’re on the same scoresheet, C2, the only thing questionable is the threshold on oldest account ...do you know what your no revolving account penalty is?

Hmm... all I have are revolving accounts (well, and one 'open' account, my Amex Gold).

 

Sorry I don't have more info on the scoresheet... I leave all of that stuff up to others.  I used to try 'reading the tea leaves' for a while but it made my head hurt, so now I just focus on the 'big' things and the common-knowledge stuff when it comes to the algorithm(s).

 

When people want info past that I send them to the UFS board. Smiley Wink  Smiley Very Happy

Message 25 of 29
Remedios
Credit Mentor

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???


@UncleB wrote:

@Anonymous wrote:
@UncleB I think we’re on the same scoresheet, C2, the only thing questionable is the threshold on oldest account ...do you know what your no revolving account penalty is?

Hmm... all I have are revolving accounts (well, and one 'open' account, my Amex Gold).

 

Sorry I don't have more info on the scoresheet... I leave all of that stuff up to others.  I used to try 'reading the tea leaves' for a while but it made my head hurt, so now I just focus on the 'big' things and the common-knowledge stuff when it comes to the algorithm(s).

 

When people want info past that I send them to the UFS board. Smiley Wink  Smiley Very Happy


 

 

If you get asked again... clean, aged, not thin, new accounts, no aged minors ....Smiley Happy

Message 26 of 29
UncleB
Credit Mentor

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???


@Remedios wrote:

@UncleB wrote:

@Anonymous wrote:
@UncleB I think we’re on the same scoresheet, C2, the only thing questionable is the threshold on oldest account ...do you know what your no revolving account penalty is?

Hmm... all I have are revolving accounts (well, and one 'open' account, my Amex Gold).

 

Sorry I don't have more info on the scoresheet... I leave all of that stuff up to others.  I used to try 'reading the tea leaves' for a while but it made my head hurt, so now I just focus on the 'big' things and the common-knowledge stuff when it comes to the algorithm(s).

 

When people want info past that I send them to the UFS board. Smiley Wink  Smiley Very Happy


 

 

If you get asked again... clean, aged, not thin, new accounts, no aged minors ....Smiley Happy


Are you describing me or my credit profile?  smiley-laughing021.gif

Message 27 of 29
Remedios
Credit Mentor

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???


@UncleB wrote:

@Remedios wrote:

@UncleB wrote:

@Anonymous wrote:
@UncleB I think we’re on the same scoresheet, C2, the only thing questionable is the threshold on oldest account ...do you know what your no revolving account penalty is?

Hmm... all I have are revolving accounts (well, and one 'open' account, my Amex Gold).

 

Sorry I don't have more info on the scoresheet... I leave all of that stuff up to others.  I used to try 'reading the tea leaves' for a while but it made my head hurt, so now I just focus on the 'big' things and the common-knowledge stuff when it comes to the algorithm(s).

 

When people want info past that I send them to the UFS board. Smiley Wink  Smiley Very Happy


 

 

If you get asked again... clean, aged, not thin, new accounts, no aged minors ....Smiley Happy


Are you describing me or my credit profile?  smiley-laughing021.gif


Yo  I died Smiley LOL

Message 28 of 29
Anonymous
Not applicable

Re: AMEX PERSONAL LOANS @ 6.98% WORTH IT???


@UncleB wrote:

@Remedios wrote:

@UncleB wrote:

@Anonymous wrote:
@UncleB I think we’re on the same scoresheet, C2, the only thing questionable is the threshold on oldest account ...do you know what your no revolving account penalty is?

Hmm... all I have are revolving accounts (well, and one 'open' account, my Amex Gold).

 

Sorry I don't have more info on the scoresheet... I leave all of that stuff up to others.  I used to try 'reading the tea leaves' for a while but it made my head hurt, so now I just focus on the 'big' things and the common-knowledge stuff when it comes to the algorithm(s).

 

When people want info past that I send them to the UFS board. Smiley Wink  Smiley Very Happy


 

 

If you get asked again... clean, aged, not thin, new accounts, no aged minors ....Smiley Happy


Are you describing me or my credit profile?  smiley-laughing021.gif


smiley-laughing021.gifsmiley-laughing021.gifsmiley-laughing021.gifsmiley-laughing021.gifsmiley-laughing021.gifx10000000000000000000

Message 29 of 29
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