.. 2 accounts with 2-3 history? Is it possible? I've searched the board but pretty much all the posts say that. Altough there is some people that got it without having them. Anyone? I have 4 tradelines: Loan - paid Loan - half paid - since 01/2002 BofA CC - 11 months Citi - 4 months Universal/Citi AU - since 1998
I'm sorry, but I just got Amex Gold Business Card! and was so happy I misspelled the provious post. I meant with 2-3 years of history on at least 2 accounts. Is it possible?
bump? I actually have 3 cards: AU on my wife's Citi - almost 5 years Citi - 4 months Bank of America - 11 months Will that be enough? My scores are 712-725 1 inq on EQ which they ALWAYS pulled for me. Sorry, but I really want that Starwood card but am afraid to apply and waiste an inq.
well, I had less than three years credit history and they denied me for AMEX blue because: too many new accts; too many recent credit checks, too few satisfactorily closed trades, and excessive amount owed on accounts (i had 61%utilization). One bit of advice is that after i recieved my denial, two weeks later I received a preapproval for their green card, which i was approved for and currently enjoy! FYI, this boards has said numerous times that a charge card(green card) is easiest to get with Amex versus the revolving accounts. Hope this info helps!
Well, I would not be shooting for Blue but wanted the Starwood (as easy as Delta?) but am not sure If I can even get that. I got approved for their OPEN Business Gold card over a month ago so I could probably not apply for another charge product. Thanks for your input.
Amex Starwwod is very easy!. My brother was approved for this one with only 5 months of history (3.5k) 5K currently. Then two or three months later he applied for the Blue and was also approved with 2K. They are already offering him to rise the credit limit on the Blue to 12k and 4.9% if he transfer some balance to the card.
My EQ (which they always pull for me) is 712 (FICO) now but has 3 account in dispute (updating balances to MUCH lower). My TU is 692 (FICO) and my Experian is 725 (FAKO). My history is almost 2 years with BofA card of 1 year and Citi of 4 months. Paid BofA loan and over one year of history on Citi loan and 10 months until paid off. I have one inq on EQ (Amex Charge), one on EX (almost a year ago) and 4 within 6 months on TU (one insurance! and 2 from Citi). Do I have chances? You think? Perfect paying history, no derogs, no collections. Clean. Now, if they pull EQ, would they not give me instant approval if I have account in dispute? I know if you apply for GM with the same scenario, you can cheat the system, but I'm pretty sure after the disputes finish I would have score over 700 anyway.
my bro had a macy's card for 3 months, got pre-approved for amex gold, and got it! no previous credit other than single $100 macy's line.
