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New Member
jovipr
Posts: 1
Registered: ‎01-12-2013

Amex recon help!!! PLEASE

Hi, I'm new here, I need someone that can send me a American Express email address for a VP or someone that is in the position of approve a card. My story is bankruptcy 8 years ago, included Costco Amex for $900, I know they have put me in black list, because I dis applied for their green card and was denied for previously canceling an account. Right now my score is 670, per Amex letter of denial. It does 't matter if I need to pay the previous balance, I just want to reestablish mi relatio ship sith them but for that to happen, I need a very good contact. Can someone send me the info please. Thanks and God bless!
New Contributor
GABrown
Posts: 55
Registered: ‎10-23-2012

Re: Amex recon help!!! PLEASE

you may want to check the credit card forum for any applicable numbers...good luck and keep us posted!!!

IN MY PURSE- BankAmericard Cash Rewards Platinum Plus Visa
IN THE GARDEN UNTIL 11/2013
TU-638
EXP-565
EQX-540
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Amex recon help!!! PLEASE

Good luck! Let us know how it goes! I was barely approved for a Chase Freedom after recon and my Ch 7 is 9 yrs, 4 mos old. I didn't include Chase in BK and never did business with them before! Chase and AMEX and CITI just aren't BK friendly. I applying for AMEX in April 2014, 6 months after my BK is deleted.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Member
hrguy
Posts: 50
Registered: ‎11-06-2012

Re: Amex recon help!!! PLEASE

It may not matter that you included Amex in your BK 9 years ago, as there seems to be some forgiveness with getting off the Amex Blacklist as of  lately......

However...

Amex will not approve applicants with a BK reporting even if it is 9 years, and 364 days since discharge.  Once it is removed from your credit report is when you will be approvable with Amex - if you are one of the one's who made it off of the blacklist.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Established Contributor
aussiesareforever
Posts: 740
Registered: ‎10-04-2010

Re: Amex recon help!!! PLEASE


hrguy wrote:

Amex will not approve applicants with a BK reporting even if it is 9 years, and 364 days since discharge.  Once it is removed from your credit report is when you will be approvable with Amex - if you are one of the one's who made it off of the blacklist.



There are people on here who have gotten an AMEX with a BK reporting. They tend to approve when your BK is eight years old or older. This is just one example

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Member
shawn
Posts: 6
Registered: ‎04-28-2007

Re: Amex recon help!!! PLEASE

I'm not sure about how to get off their blacklist, but I do know that they will approve with a bankruptcy still on your credit report (Chap 7 filed 7.5 years ago/did not include them)

I applied for the AMEX Blue cash preferred card and was instantly denied due to the reason Bankruptcy. I called the new card customer service line and had them send my experian report for a manual review. WIthin 5 days I was approved with a 10K limit. Good luck.

Current Cards/Limits post Chapter 7 Bankruptcy in 2006

AMEX Blue cash preferred-10K, NFCU Platinum-39K, USAA AMEX-16K, New England Federal CU-15K, VT Federal CU-15K, Wells Fargo Jewelry Advantage-9K, Military Star card-8.5K, Macy's-2K.
Member
shawn
Posts: 6
Registered: ‎04-28-2007

Re: Amex recon help!!! PLEASE

Hrguy,

 

This post is old but just an update for you on my recent AMEX approval. I have a Chap 7 discharge that is 7.5 years old and was just approved for an AMEX Blue cash prefered card for 10K.  

Current Cards/Limits post Chapter 7 Bankruptcy in 2006

AMEX Blue cash preferred-10K, NFCU Platinum-39K, USAA AMEX-16K, New England Federal CU-15K, VT Federal CU-15K, Wells Fargo Jewelry Advantage-9K, Military Star card-8.5K, Macy's-2K.
New Visitor
bjack019
Posts: 1
Registered: ‎11-03-2013

Re: Amex recon help!!! PLEASE

I just was approved for an amex this month with an eight year bankruptcy reporting. AMEC considers other factors like credit score, credit history, previous other loans, and many others.


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