NFCU Amex

[Takasniper]

I posted this in the other credit section, but wanted to share here as well.  It has been a long road, I am 4 years and 4 months post bk.  I know this is a co-branded card, but I want to share my experience that if it wasn't for Scupra plan/guide, I probably would be still trying to figure out how to rebuild.  Long story short I applied yesterday night and received the following message this morning:

Congratulations! Based on your creditworthiness, you have been approved for a Navy Federal More Rewards American Express Card credit card. Your new credit line will be $25,000.00. Your APR will be 11.99%.

[Anonymous]

AMAZING. Congratulations!

Navy rocks

[Scupra]

Congrats! That is one heck of an approval

[Takasniper]

Thanks Scupra when should I try got a real amex? Never had a amex and was never included in bk

[Scupra]

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@Takasniper wrote:
Thanks Scupra when should I try got a real amex? Never had a amex and was never included in bk

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You can try at 5 years post file date. Sounds like you should be VERY close to that. Please keep me updated with the results if you try

[Anonymous]

Scupra what is your plan/guide?

[Scupra]

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@Anonymous wrote:

Scupra what is your plan/guide?

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I dont have a rebuild guide.. More than welcome to look at my rebuild thread though and ask any questions there or PM

http://ficoforums.myfico.com/t5/Bankruptcy/My-rebuild-story/td-p/3460461

[Laceylashes]

Just to clarify, it is 5 years from file date not discharge date?

[Scupra]

AMEX is 5 years post file date. For co-branded it is always different depending on lender.

[pizza1]

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@Laceylashes wrote:

Just to clarify, it is 5 years from file date not discharge date?

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I will re-clarify this....Its 5 yrs and 1 mo post file date. You have to go into the next following month, for their computers to read your reports as past 5 yrs. For ex, I filed in May 2013, and was approved June 1.  I had tried in may a few days after my file date, and was declined for BK. But, once June hit, the computer saw it as "past 5 yrs", and I was approved. This is a known thing.