- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
nowipaco wrote:Now that I know that the 724 on the Vantage isn't reliable. Also, I got my TransUnion today and it is at 675 but isn't reflecting all of the payments I've made on my cards. It is still showing my Utilization at 46% even though I am actually at 25% now. So if I wait one more month and pay them down below 10% I think the TransUnion should bump up over 700.
My average account age is at 1.5 years and my oldest account is 3.25 years old. Judging from what I've read about people getting approved after 6-9 months of history I think even though my history is relatively short, I would have a pretty good shot with 3 years of history. Would you agree?
I'd check your Experian report the most because that's what Amex always uses to make a decision, unless there was some kind of glitch in their system. I'd say if your FICOs are in the higher 600s on that report and your utilization isn't high or anything (think mine was around 7 or 8% at the time but have heard of people with higher utilization getting approved easy, they really aren't as conservative as some of the other prime lenders out there), you'd be in fair shape to get their cards, especially the Everyday and PRG cards. Once you're in with Amex you can build up your internal score and qualify for more cards with them and so on.
If you get one of the revolvers, ask for a 3x CLI after 31 days.
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