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I have heard they look at the discharge date. It was seven years post discharge for me a few days ago....I am trying to decide if I should try again (third time since BK) or just wait and try next year..haha
I think my credit profile should be worthy of acceptance, other than the BK. THe only negative i have is the BK, my scores were in the midish 700 in 2013 although I haven't checked them since then. Haven't really felt a need to check my score since I am not buying anything and I have maintained good credit sense. My utilization is ultra low (less than 2%) and I have decent credit lines.
I'll think about it....maybe pull the trigger in a couple months. The only inquiry i have on experian is my last AMEX application a couple months ago
Hey creditwonder
Did you file a chapter 7 or 13? I don't have any prequalifications for AMEX. My last application was just this past october or so. I am a little reluctant to apply again cause I don't want to keep accumulating inquires