11-26-2012 07:25 PM
Decided to apply for an Amex BCP about 3 days after my Ch. 7 BK fell off my report. I hit the submit button and got the "7-10 Day" message, I waited about 10 minutes and checked the application status was was approved, called in and found out my credit line was 10K! Awesome I know! However, it gets better, I thought I had an Amex gold card way back when I was young, like 18 young, and sure enough, the backdated my card to 1991, talk about helping my AAoA, sweet! Finally, I also got my free Experian Fico score, which wasn't too bad, it was a 730. Glad to be back in the Amex family.
11-26-2012 07:26 PM
Congrats!!! Here's to continuing to rebuild and get your scores up high!
11-26-2012 07:26 PM
Congrats! You could go for a charge card now and it would only be an SP if your denied!
11-26-2012 07:30 PM
11-26-2012 07:33 PM
I wondered about that, should I call them or apply online?
11-26-2012 07:34 PM
I applied online, no extra HP.
11-26-2012 08:12 PM
Good Stuff !!
That Amex Back Dating is going to really help your scores and futre applications for other cards.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.