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American Express with Ch 7 BK, and High Inquiries? Is it possible?

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Anonymous
Not applicable

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

Discharge.
Message 21 of 38
Scupra
Super Contributor

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

AMEX looks at file date actually.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 22 of 38
Anonymous
Not applicable

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

I'm going by what the analyst told me in December when I was declined. Told me to wait until January for the 7 years of the discharge and guess what, 3 cards in my wallet right now...
Message 23 of 38
aussiesareforever
Established Contributor

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

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


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 24 of 38
Anonymous
Not applicable

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

More than just the 7 years, look at your score and other items that could impede the approval.

They pull experian.
Message 25 of 38
aussiesareforever
Established Contributor

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

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 Smiley Happy


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 26 of 38
Anonymous
Not applicable

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

I went for it two days after the 7 year mark and was approved on the spot. The same day I had a everyday card offer in the mail and applied the same night, was approved 5 days later.
Message 27 of 38
Anonymous
Not applicable

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

Check your CR, make sure you see what they're about to look at before they do. Also try to check for prequalified-offers on their website.
Message 28 of 38
aussiesareforever
Established Contributor

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

I look at my credit report often. I use the free annual reports and utilize credit karma. Capital One also provides free credit monitoring which I take advantage of. I just haven't checked a FICO score in almost 2 years. And I still have no desire to pay money for that.

But the prequalification is a good idea. I will look into that for sure Smiley Happy

BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 29 of 38
aussiesareforever
Established Contributor

Re: American Express with Ch 7 BK, and High Inquiries? Is it possible?

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 Smiley Happy


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 30 of 38
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