American Express

Discussion in 'Credit Talk' started by MikeB, Apr 17, 2001.

  1. MikeB

    MikeB Banned

    Has anyone with a 600 or lower FICO been approved for the Optima card or whichever is the easist AM EX card to get? I don't know my score on Experian (I hope they only use Experian still), but I have 3 derogs that are each over 2 years old, so I figure about 600. One is a chargeoff, other 2 entries are various late payments. I am also on round 2 with Junum. Maybe the three disputed items won't show up, and I will get lucky!
    Thanks for any help.

  2. dogman

    dogman Well-Known Member

    Yes. It is possible but you must speak with a real person at AMEX - the computer will deny automatically via FICO - then a Centurion Bank Acct Mgr will pull it and look at it individually.

    Good luck - FYI - you must not owe any past due balance to AMEX - ever.

    c ya dogman

    I got the Personal (Green) Card.
  3. LoFico

    LoFico Well-Known Member

    fyi, i just got turned down for the green card, they used trans union and i live in california. i thought the green card was the easiest to get. i asked for a secured card and they said they dont offer it anymore as of july of last year. major bummer!
  4. jen

    jen Well-Known Member

    They pulled Equifax for me less than a month ago. (I'm in NY)
  5. jen

    jen Well-Known Member

    Sorry, forgot to mention that I applied for the green card.
  6. MikeB

    MikeB Banned

    Thanks all. Guess my chances are slim. Bah!
  7. dogman

    dogman Well-Known Member

    Sorry to hear that LO.
    People need to remember that it is possible to get a Green Card with even a Chap 13 on your credit record.

    BUT - regardless, AMEX is easy to get with no negatives
    at all - but is still the HARDEST CARD to qualify for -
    with any derogatory information.

    Wait 6 months - pay on 2 other visas/mcsthen try again.
  8. Geo

    Geo Well-Known Member

    they pulled Equifax three weeks ago, Live in Florida
  9. Rob

    Rob Guest

    I got a pre-approved green card 3 months ago with a 580'ish score.

  10. Leslie

    Leslie Guest

    Need some help here. Just applied for the green amex card online and got the we will get back to you in 7-10 days message. Ugh. I used to work for Chase. We put up that message when you were declined. Is it possible I still got the card? I have no negatives on my experian and 2 VERY old (95) paid charge-offs on the other two.
  11. Leslie

    Leslie Guest

    Forget it. They pulled Trans Union. (From Philadelphia.) is a piece of crap. I have a report with no score!!! A blank image field where it should be. Really nice.
  12. exotic

    exotic Well-Known Member

    Re: Re: American Express

    Where you approved? =)
  13. MisterX

    MisterX Well-Known Member

    Re: Re: American Express

    LoFico, sorry to hear that! If you don't mind, could you state the reasons why you think your application was turned down?

    I'm thinking about applying for AMEX Green but won't if I don't have a chance (I have a ch7 bk discharged 10/98 and about 5 hard inquiries in the last 6 mths).

    Any advice would be much appreciated!

    Thanks and I wish you better luck next time,
  14. bigmon

    bigmon Well-Known Member

    Re: Re: American Express

    Leslie...charge offs's in 1995 should be at to the 7 year mark.

    FYI...Amex usually does a 411 on your employer to see if they are a real business. Keep this in mind if your self employed or using a fake employer.
  15. tnobles

    tnobles Well-Known Member

    Re: Re: American Express

    Do y'all not see that this person is not even a member anymore??? LOL!!!! I don't think she is going to answer....
  16. tnobles

    tnobles Well-Known Member

    Re: Re: Re: American Express

    Bigmon, this post was from 2 years ago. At the time it was not 7 years yet!
  17. exotic

    exotic Well-Known Member

    Re: Re: Re: Re: American Express


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