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I decided to start a thread to capture data points around Amex approvals for people with BK still on file. It seems lately that people have been getting approved with BKs still showing on their reports. I would like to gather that info in one place so it can provide guidance to others. Below is the information and format:
When was your BK discharged? January 2009.
FICO Score at time of approval? TU 705, EX 699, EQ 715
Did you burn AMEX on your BK? Yes
If yes, how much? 800
Any lates on your file since your BK? No
Other types of accounts on file? mortgage, paid off auto loan, credit cards
Income: roughly 180K.
I look forward to your data points. Thanks for sharing.
@Anonymous wrote:I decided to start a thread to capture data points around Amex approvals for people with BK still on file. It seems lately that people have been getting approved with BKs still showing on their reports. I would like to gather that info in one place so it can provide guidance to others. Below is the information and format:
When was your BK discharged? January 2009.
FICO Score at time of approval? TU 705, EX 699, EQ 715
Did you burn AMEX on your BK? Yes
If yes, how much? 800
Any lates on your file since your BK? No
Other types of accounts on file? mortgage, paid off auto loan, credit cards
Income: roughly 180K.
I look forward to your data points. Thanks for sharing.
http://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737 Check this thread out.
AMEX will approve with BK on file as early as 5 years post file
Its really weird on how AmEx changed their behavior from "You burn us we will take at least before you can try and get something" to "Okay 5 years post BK is okay. Not saying OP doesn't deserve second chance, just wondering how Amex relaxed it's requirements. Is it because AmEx is losing business right and left? At this point how companies still have their cards issued through AmEx?
When was your BK discharged? 1982
Did you burn AMEX on your BK? Yes
If yes, how much? Can't remember