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Ch13 BK Dismissed versus Discharged - Applying for AMEX

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Ch13 BK Dismissed versus Discharged - Applying for AMEX

Hi all.. I had a Ch13 BK started in 2013, but never confirmed.  I ended up paying for everything outside of BK, and never went through with the BK.  But sadly, even when you start the filing, it still gets recorded as a BK.. sad face.  Anyway, I am 5 years, 4 months from filing date.  My scores are in my siggy. I am about to close on a mortgage, and as soon as i do, I want to apply for AMEX. (FYI, never had an Amex, so no BL from them).  Will i still be OK with my situation re: the dismissed instead of discharged BK with their 5 year rule? I have no balances on any of the accounts that were included in my BK.  Everything is paid.  Thank you!

 

 

Dec-2018 EQ-695 TU-688 EX-696
UTIL: 2%
BK: 2013 Rebuilding after BK




Message 1 of 4
3 REPLIES 3
Senior Contributor

Re: Ch13 BK Dismissed versus Discharged - Applying for AMEX

Check their prequal site

 

My quess is that you should be ok




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>09/2019 CCT EX 829 TU 848 EQ 837
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Message 2 of 4
Community Leader
Senior Contributor

Re: Ch13 BK Dismissed versus Discharged - Applying for AMEX

Shouldn’t matter at least IME. I also have a dismissed (paid outside of BK too). I was able to get an Amex after 5 years, 1 month. Check the prequal, you should be fine. Good luck. 

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Message 3 of 4
New Contributor

Re: Ch13 BK Dismissed versus Discharged - Applying for AMEX

Thank you both so much. 

Dec-2018 EQ-695 TU-688 EX-696
UTIL: 2%
BK: 2013 Rebuilding after BK




Message 4 of 4
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