Amex Blacklist

[Jeffster1]

I filed my Chapter 13 in April 2017, and was discharged in January 2021. It ended  being a 100 percent plan as I sought, and got my DC early. I included two Amex cards in my 13. Today I decided to test the waters with the Amex pre-qualifier. It said I was pre-qualified for the Gold. Recently, I had tried it and it said I wasn't qualified for anything. 

I pulled the trigger on the application for the Gold. TU pull....but denied. I'll wait for the letter to see the reasons for rejection. My TU FICO8 is at 690. My reason for posting is that it looks like I am not on the Amex blacklist. All that I have read indicates that they would not have even pulled a CR if I were on the blacklist. Is that still correct?

[sjt]

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@Jeffster1 wrote:

I filed my Chapter 13 in April 2017, and was discharged in January 2021. It ended  being a 100 percent plan as I sought, and got my DC early. I included two Amex cards in my 13. Today I decided to test the waters with the Amex pre-qualifier. It said I was pre-qualified for the Gold. Recently, I had tried it and it said I wasn't qualified for anything. 

I pulled the trigger on the application for the Gold. TU pull....but denied. I'll wait for the letter to see the reasons for rejection. My TU FICO8 is at 690. My reason for posting is that it looks like I am not on the Amex blacklist. All that I have read indicates that they would not have even pulled a CR if I were on the blacklist. Is that still correct?

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I would call and find out. Its not the BK because its past the 5 years (they go by date filed). You can also go to this link:
https://online.americanexpress.com/eaol/statusCheckAction.do

[Jeffster1]

@sjt 

i cannot thank you enough for that link. I'll try it again later as it appears to be down. I'm getting the following message, "We apologize, but due to a system error we are currently unable to access your application. Please try again later."

I'll try later. Thank you again. I'm sure it's too many Inquiries.

[sjt]

Also, try calling 800-528-4800

[ReturnOfTheCredi]

My BK discharge hits the 10-year mark in August. It has already fallen off my Equifax report, but not TU or Experian (and my scores on TU and Experian are about the same or slightly higher than my Equifax......not sure why that is). To this day Amex still auto-denies any app I submit. I don't personally care much since there are SO many better options than anything Amex offers, but I'll still check again in September or after. I have seen some people claim they were able to get back in with them with their BK still showing, but it seems to be a crap shoot.

[Rogue46]

I was back in with Amex just over the 5.5 yr mark if that helps

[sjt]

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@ReturnOfTheCredi wrote:

My BK discharge hits the 10-year mark in August. It has already fallen off my Equifax report, but not TU or Experian (and my scores on TU and Experian are about the same or slightly higher than my Equifax......not sure why that is). To this day Amex still auto-denies any app I submit. I don't personally care much since there are SO many better options than anything Amex offers, but I'll still check again in September or after. I have seen some people claim they were able to get back in with them with their BK still showing, but it seems to be a crap shoot.

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Did you burn Amex in your BK? Also, I would contact Experian and Equifax to see if you can get an early deletion of your BK. Experian tends to delete 3-4 months prior upon request.

[ReturnOfTheCredi]

Yes, Amex was included. I want to say to the tune of $4k or less. Don't recall off hand. I suppose I could stay blacklisred with them indefinitely.

Also, Equifax was the one that already dropped the BK. Do you have a number that I can reach someone at for Experian and TU that would be able to remove the BK early? I'd never heard that before, so thanks for the tip!

[bigseegar]

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@sjt wrote:

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@ReturnOfTheCredi wrote:

My BK discharge hits the 10-year mark in August. It has already fallen off my Equifax report, but not TU or Experian (and my scores on TU and Experian are about the same or slightly higher than my Equifax......not sure why that is). To this day Amex still auto-denies any app I submit. I don't personally care much since there are SO many better options than anything Amex offers, but I'll still check again in September or after. I have seen some people claim they were able to get back in with them with their BK still showing, but it seems to be a crap shoot.

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Did you burn Amex in your BK? Also, I would contact Experian and Equifax to see if you can get an early deletion of your BK. Experian tends to delete 3-4 months prior upon request.

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If you burned AmEx you can expect a wait of 10-20 years probably to come off Blacklist. I didn't burn them or owe them and it still took me 19 years to be removed.

[ReturnOfTheCredi]

He was responding to me about the early BK drop off. I'm about to hit 10 years in August.