06-01-2012 08:47 AM
My 7/2002 BK fell off my EQ report today. My last EQ Fico was 3/13, and was 703, as of today it is 773!!! Finally, no more BK reporting! It fell off EX last week, but I have no way to get that score. I have been told that TU is last to fall off. I will report back when it does.
06-01-2012 08:58 AM
I see you have AMEX cards. I thought AMEX did not approve any BK's. Also, did you include them in your BK?
06-01-2012 09:52 AM - edited 06-20-2012 07:06 AM
No, AMEX was not included in my BK.
I have 4 AMEX's now ( got first in 2007). I have a 2002 BK. When my Mom passed away, and I called to report this to AMEX and close the account, they allowed me to keep her acct. They sent me a credit app to fill out and send back to transfer the account to my name. This was a Green card. They did do a credit pull, on EX. I am absolutely sure they know of the BK, because it has been cited by AMEX as a reason why I did not receive The top tier interest rate when I received my most recent card (BCP). I can't imagine that they would give me a card based on someone else's credit (my Mom's) when they KNOW that person is deceased, and without considering the credit- worthiness of the individual.
I upgraded the Green card to a Gold PR in 2009, rec'd the Delta Gold in 2010, Amexx HH in 2011, and BCP in 2/2012.
06-02-2012 05:05 AM
Great news and those of us in the same boat can imagine what it feels like. I am at 707 Fico and am hoping for the same kind of jump when mine falls off in March 2013.
06-03-2012 05:32 AM - edited 06-13-2012 10:18 PM
06-03-2012 07:53 AM
Thats great news. I cant wait to have my report be completely "clean"
06-04-2012 08:14 AM
emptypockets . . . Congrats, and thanks for the post. You have nice CL. My BK ( will fall next year. It fell from EX during the end of last year. BTW, you can pull your EX and get a Vantage Plus Score, which I am sure will be off the charts considering your success. I am strongly considering the AMEX, but no inquiries for the last 4 years so I am researching for the best fit.
Keep on the path.
680 TU 5.2012
682 EQ 5.2012
780 EX 5.2012
06-09-2012 06:31 PM
Finally total freedom this! Congrats!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO