- Green Member
- Posts: 23
- Joined: Tue Jun 18, 2013 6:40 pm
- Location: Fort Worth, Texas
So I've been working on rebuilding my credit the last couple of years and I've really been hoping to get into the AmEx family soon. My credit scores are around 650 averaging the three, so I know at this point, it's a bit of a long shot.
Here's my dilemma. I was just late on a truck payment by two days. I thought the wife had mailed it, she thought that I had mailed it. I know that they will report this as a late payment and my scores will take a hit, so I'm considering applying for the AmEx before this is reflected in my scores. I'm just looking for some advice as to what you guys might do as I'm not too keene on the credit/credit card game just yet.
It should be noted that I applied for and received a Capital One Platinum card just before Christmas last year, before finding this website and realizing that i probably shouldn't have as I'm stuck with the same $750 CL as everyone else. I also financed a necklace for my girlfriend which apparently meant I applied for a Helzberg Diamonds card about two weeks ago. I know that this is two inquires in the last year, one being in the last month, so I'm also wondering how that would affect my outcome with AmEx.
Thanks in advance!