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Amex denial, how long to wait?

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Anonymous
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Amex denial, how long to wait?

Good morning! I applied for my first American Express at the end of January. I was denied because I didn't realize that American Express doesn't allow bankruptcy typically. Shoulda read the forums first LOL (but that's besides the point) So I get the reason letter and it was only the bankruptcy. My bankruptcy has been completely deleted from my Experian account 8 years early. I am wondering if it's safe to apply now or if I should wait a little bit longer? Thank you :-)
Message 1 of 25
24 REPLIES 24
Anonymous
Not applicable

Re: Amex denial, how long to wait?

Was Amex included in your BK?

Message 2 of 25
Anonymous
Not applicable

Re: Amex denial, how long to wait?

Nope. Never have had an acct with them.
Message 3 of 25
Anonymous
Not applicable

Re: Amex denial, how long to wait?

Experian FICO 8 702 plus 1 more card will report lower utilization on the 3rd, down to 0% from 20%
Message 4 of 25
creditguy
Valued Contributor

Re: Amex denial, how long to wait?

Getting a BK removed early let alone 8 years early is something. How are your scores looking on EX? What card are you looking to apply for?
Message 5 of 25
creditguy
Valued Contributor

Re: Amex denial, how long to wait?

Just read your scores, I'd say you should be good to go.
Message 6 of 25
CreditCuriosity
Moderator Emeritus

Re: Amex denial, how long to wait?

How does one get a BK removed 8 years early?  Never had one, inquiring minds want to know.

Message 7 of 25
creditguy
Valued Contributor

Re: Amex denial, how long to wait?


@CreditCuriousity wrote:

How does one get a BK removed 8 years early?  Never had one, inquiring minds want to know.


I was curious as well but afraid to ask Smiley Wink

Message 8 of 25
Anonymous
Not applicable

Re: Amex denial, how long to wait?

LOL, Well I noticed that they had reported my bankruptcy date incorrectly. It was supposed to be February, but instead was May. Knowing that it would fall off 4 months later than what it was supposed to, I disputed it with Experian. When they finished looking at the dispute, they ended up deleting it. I do not have any accounts that are included in bankruptcy I think that may be one reason why. I was told that majority of the people whose are deleted early are deleted because they don't feel like calling the courthouse and verifying. I have heard that it may come back but I am certainly hoping it will not. :-)
Message 9 of 25
Anonymous
Not applicable

Re: Amex denial, how long to wait?

Normally they can easily see that you have accounts Included in BK, therefore it's easy to decide if it's legitimate.
Message 10 of 25
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