MemberSince99 wrote:The only way you are going to know what shape you are in is to actually get your FICO scores and credit history from a paid source. In this case you want EX NOT TU since Amex pulls EX. Then you will be in better shape to determine how to proceed.
Paying for a credit score is a sucker's game. You can't get the score anyone uses, so there's no point in paying for something that isn't that. Looking at your file is worth while, but since amex turned you down, you don't need to pay to get the file from experian. You just have to ask.
That said, with a five month history, you won't have a fico score, since they all require an open tradeline with a six month history. It's still worth looking at your experian file, to make sure it's accurate.
Unless you make a lot of money, amex isn't going to want to deal with you until you've got some real history, probably at least a year.