Jump to content

Sign in to follow this  
Menta33

Amex Delta or Hilton Honors or something else for 666 FICO?

Recommended Posts

I have a friend who had an Amex opened in 1985 but does not have one today. Their Experian FICO was 666 a month ago due to these factors:

 

Pluses:

  • Utilization: 8%
  • Oldest Account: 20 years
  • Average Age: 10 years
  • Inquiries: Zero

Minuses:

  • 3 Public Records (3 federal tax liens from Feb 2012, two say released, one not showing that)
  • Only 2 Accounts in good standing
  • No recent non-mortgage installment loans
  • Most recent late payment 1 year 6 months ago (60 days late January 2013 on car loan)

I think an Amex backdated to 85 would be a great addition to their credit report, but don't want to have them apply if unlikely they will be approved. Was looking at the Delta and Hilton cards as possibly being good ones to try, or would a green card be a more likely approval?

Share this post


Link to post
Share on other sites

I would App a Green charge to see if amex will let them in first... I don't know if that's revolver numbers for AMEX

Share this post


Link to post
Share on other sites

Go for the PRG, which can be downgraded in year 2 if necessary.

 

The approval requirements for the Green and Gold cards are the same. I was approved with a similar score.

Share this post


Link to post
Share on other sites

Go for the PRG, which can be downgraded in year 2 if necessary.

 

The approval requirements for the Green and Gold cards are the same. I was approved with a similar score.

 

 

You have a revolver with them too right?

Share this post


Link to post
Share on other sites

 

 

Go for the PRG, which can be downgraded in year 2 if necessary.

 

The approval requirements for the Green and Gold cards are the same. I was approved with a similar score.

 

You have a revolver with them too right?

Yes, a BCP with a $1K limit. :lol:

Share this post


Link to post
Share on other sites

 

 

Go for the PRG, which can be downgraded in year 2 if necessary.

 

The approval requirements for the Green and Gold cards are the same. I was approved with a similar score.

 

You have a revolver with them too right?

Yes, a BCP with a $1K limit. :lol:

 

 

 

Dont feel bad... My first Amex came with the same FUN size limit.

Share this post


Link to post
Share on other sites

app a PRG, if it auto-approves, app a revolver, the ones you mentioned, or the Everyday maybe, right behind it, 2 cards, 1 pull... no annual fee on the ED I think and I get the feeling the reqs are lower for it

Share this post


Link to post
Share on other sites

that 60 day late will exclude most Prime lenders.. maybe after it becomes 2 years old.. but that will be a huge sticking point.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    No users celebrating today.
  • Member Statistics

    • Total Members
      177,980
    • Most Online
      2,046

    Newest Member
    Khillard79
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines