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I filed for bk on 2011 and since Iam in the process or rebulding my credit I notice that the bk is not showing on the public record of my reports only on the transunion credit report. I want to apply for an amex card at the end of the year and since it looks like amex wont approved with bk7 on your record iam hopIng that the fact that it dosent show would help me. do you guys know if this is the case?, my current fico 8 is 657EQ 654TRANS 704EX
Just a thought here, you could freeze transunion that way they wont see the BK forsure. If approved then later they found out about the BK it would be grounds to close your account. You would not want to send anything through any type of manual review because even without the BK there is probably some accounts that say IIB that would be a tip off.