Reply
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

amex in my sights .......well in a few years!!! BK 7 from 05 reporting....

[ Edited ]

Well my last collection account was removed early ........

 

was supposed  to have been December ,but it dropped off my CR's  August 1st ........:smileywink:...

 

well I am sitting in the garden till then.... 1 new account opened in  April........some INQ on my EQ reports like 7 that will be gone by next year same time.....only 1 from amex  on EXP......4 on TU   turn  1yr in December...

 

 

Amex Zync and Discover More will be only cards in my future before I can get rid of my cap 1 card rebuilder,and HSBC / cap one  direct rewards discover.......

 

 

Should I just wait till BK comes off completely or just chance at the 8 yr mark that some others have been approved for????

 

Score in siggy ......

 

thanks

 

 

 

 

 


Moderator Emeritus
Posts: 10,932
Registered: ‎12-30-2011
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....

If it's your first Amex, take the shot in December (just not too late, figure mid December for safety in establishing Membership date).

 

In fairness, BK's appear to be problematic with Amex, but if you don't have your future backdate set in stone, it's worth taking the shot even if it is a deny.  If you already have had an Amex in the past (and if you can prove it) you can afford to wait if you don't want the possible denial, but personally I don't think that it's a wasted inquiry regardless if you need to thicken your file.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....

Good luck w/ amex w/ BK still reporting.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Contributor
Posts: 167
Registered: ‎07-13-2011
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....


amercnchopz34 wrote:

Well my last collection account was removed early ........

 

was supposed  to have been December ,but it dropped off my CR's  August 1st ........:smileywink:...

 

well I am sitting in the garden till then.... 1 new account opened in  April........some INQ on my EQ reports like 7 that will be gone by next year same time.....only 1 from amex  on EXP......4 on TU   turn  1yr in December...

 

 

 

 

 



   Lucky, I've never had any of mine fall off early, they seem to fall off the month after they are said to fall off.... Still waiting for some from July to fall of....

 

 

    Good luck with your app.

Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....

I have no plans to app now....I have to get utlization down.......at 28% ......plus I am going to wait at least a year till it ages to 8yrs....


Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....


amercnchopz34 wrote:

Well my last collection account was removed early ........

 

was supposed  to have been December ,but it dropped off my CR's  August 1st ........:smileywink:...

 

well I am sitting in the garden till then.... 1 new account opened in  April........some INQ on my EQ reports like 7 that will be gone by next year same time.....only 1 from amex  on EXP......4 on TU   turn  1yr in December...

 

 

Amex Zync and Discover More will be only cards in my future before I can get rid of my cap 1 card rebuilder,and HSBC / cap one  direct rewards discover.......

 

 

Should I just wait till BK comes off completely or just chance at the 8 yr mark that some others have been approved for????

 

Score in siggy ......

 

thanks

 

 

 

 

 


So what do u guys think my chances are at the 8 yr mark?


Valued Contributor
Posts: 2,153
Registered: ‎09-16-2011
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....

[ Edited ]

amercnchopz34 wrote:

amercnchopz34 wrote:

Well my last collection account was removed early ........

 

was supposed  to have been December ,but it dropped off my CR's  August 1st ........:smileywink:...

 

well I am sitting in the garden till then.... 1 new account opened in  April........some INQ on my EQ reports like 7 that will be gone by next year same time.....only 1 from amex  on EXP......4 on TU   turn  1yr in December...

 

 

Amex Zync and Discover More will be only cards in my future before I can get rid of my cap 1 card rebuilder,and HSBC / cap one  direct rewards discover.......

 

 

Should I just wait till BK comes off completely or just chance at the 8 yr mark that some others have been approved for????

 

Score in siggy ......

 

thanks

 

 

 

 

 


So what do u guys think my chances are at the 8 yr mark?


I think you would have a fair chance with a real EX fico over 700,  no baddies since BK and an income over 30k perferably a lot higher to make them drool  And a thick file with multiple tradeline showing.  All reporting perfect

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: amex in my sights .......well in a few years!!! BK 7 from 05 reporting....


jamesdwi wrote:

amercnchopz34 wrote:

amercnchopz34 wrote:

Well my last collection account was removed early ........

 

was supposed  to have been December ,but it dropped off my CR's  August 1st ........:smileywink:...

 

well I am sitting in the garden till then.... 1 new account opened in  April........some INQ on my EQ reports like 7 that will be gone by next year same time.....only 1 from amex  on EXP......4 on TU   turn  1yr in December...

 

 

Amex Zync and Discover More will be only cards in my future before I can get rid of my cap 1 card rebuilder,and HSBC / cap one  direct rewards discover.......

 

 

Should I just wait till BK comes off completely or just chance at the 8 yr mark that some others have been approved for????

 

Score in siggy ......

 

thanks

 

 

 

 

 


So what do u guys think my chances are at the 8 yr mark?


I think you would have a fair chance with a real EX fico over 700,  no baddies since BK and an income over 30k perferably a lot higher to make them drool  And a thick file with multiple tradeline showing.  All reporting perfect

 


Yeah.....I  have 2 EXP  inquires  both from Amex   12-2011 and April 2012 ...denied due to BK 

 

 

I hope that I stand a chance then at the 8yr mark


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.