tigerhunt2011 wrote:thank you so so much for your information everyone.
I just got a 3-bureau report through Experian.com (paid $30) and I found out my credit score...after having a $500 limit Alaska Airlines Visa for one month and paying it off in full is...712!! Is it possible that is actually my credit score?
That being said, I'm ultimately looking for the red carpet treatment and rewards rewards rewards. Should I try applying for Gold with a score of 712 on all 3?
You need to grow up and be patient.
First off, you said you have applied for an AmEx every month. That's really dumb. You need to stop applying for anything for at least 2 years and maintain impeccable payment history during that time. Then apply for the green card. After 13 months of decent spending and perfect payment history on the green card you'll be able to apply for the platinum. At that point, assuming you make at least $100,000 a year and have spent at least about $30,000 a year on your green card, you should be accepted.
AmEx needs you to spend a lot and have a solid income in addition to having a great credit score. You'll qualify for the platinum with at least a 740 and possibly a 770. At least that's what the rumor is.
You are damaging your own score by applying for so much. Each application produces a hard inquiry. Two hard inquiries will lower your score. Hard inquiries last for 2 years.
And why did you PAY for credit reports? You know you can get those for free right?