- Centurion Member
- Posts: 179
- Joined: Fri Apr 12, 2013 4:47 pm
- Location: Indianapolis, IN
I have a feeling it's being an AU on your AMEX accounts that helped the most here, with income at a close second. I have a few much older late payments than you've indicated and was just denied less than a week ago, not that payment history is the only factor. Otherwise, my chances looked fair, if not good, hence my new short term goal of 680, and in 6 months I'll try again before end of the year.
Still, nice grab on those points! Enjoy.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680