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!
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