Is my profile ready for a try with AMEX?

[Anonymous]

I was approved with roughly a 635 EX (Green Card). Recent repo and late payments from mortgage 20 months prior. Ymmv but I think you'll be okay.

[Anonymous]

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@Anonymous wrote:
Never burned them.

From what I see is the AMEX can grow nicely. It's not needing status or prestige for me.

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If you have never burn them then you have a shot.  You will never know until you apply.  Report back with results should you take the plunge.

[Focused10]

I think you have a good shot. Try for the BCE. Let us know.

[Anonymous]

If it was just the BK or just the other derogs, I'd day it was possible. But I think the combination of multiple bad entries and the low score would result in a denial.

[Anonymous]

Does it have to be strickly Amex or would a partner card do?  I applied for the BBVA Amex with an Experian score less than yours and was approved.  I then went on the next day and applied for ED and BCE, although there was a 5 day wait on approval for the BCE after being approved for the ED.  When I applied, I had a collection from Verizon that had recently fell off; I could not get Verizon to negotiate a settlement on a balance on an account I got for someone else that they allowed them to purchase equipment without my consent as I was the only one on the account and that person bailed on me (won't be a nice guy again).  When do your derogs fall off?  I know that until Verizon fell off, nobody but Cap 1 and USAA would touch me.  I got Amazon and Walmart and chatted my low limits up to $5K a piece.  I started at 583 last August when I got the loan for my truck and rebuilder cards have helped.   Good luck.