I don't think so. I filed in 05' and our scores are pretty similar & they turned me down (although...I don't have a mortgage helping me out). Plus, you included them in your bankruptcy so I think they'd be a lot less likely to give you credit for a while. If you can get those scores up and pay down some debt your chances will definitely increase. You are more than welcome to work out a deal with them to pay them back, even if they were included. That would definitely get you back in their good graces.
Unfortunately, AmEx is not BK friendly. At some point however, you may want to contact them and inquire about their Oasis program...this program/card is designed for folks who defaulted (not sure about an AmEx account IIB) with them.
BK13 filed 2000 dismissed (they don't drop in 7 years, but EX & TU dropped, go figure)
BK13 filed 2002 dismissed
BK13 filed 2004 discharged 2005
I have a couple of CCs that were IIB (no lates). Ive had a mortgage loan since '97 (transfers/paid/closed). I have about 3 CCs that are "closed/paid as agreed" on EX that's why it's higher than EQ and TU. EQ is not budging on removing the 2000 BK13 (disputed as too old and rep said they report for 10 years).
I have 3 ccs since 2003 never late, current mortgage never late (I had a 30 day late in 2005 with a previous mtg co., disputed as "never late" they removed the late from my report).
Ficos: August 2009 EQ 713 July 2008 EQ 696, EX 726, TU 710 Ficos: April 2008, EQ 696, EX 721, TU 710 Ficos: January 2008, EQ 691, EX 715, TU 663
-So you have the bk's all still on there...at least one for each CRA.
-a couple of IIB cc's
-perfect history since you filed in 2004.
Your scores look about right. EX is great at 715, the others a little lower.
Just wondering. I was discharged from my 7 last October and was wondering when I get to 700. I too have a couple of IIB cc's, but also have a couple of mtg loan baddies that were 120 days late when I filed. But, all that is behind me. I will still attempt to get them deleted, but if not, perfect credit since 7/07, so by 2010 I hope to be nearing 700.
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