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AMEX approval after BK

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Anonymous
Not applicable

Re: AMEX approval after BK

Very nice... Congrats!!

Message 11 of 26
cem13
Established Contributor

Re: AMEX approval after BK

What does your file look like?

FICO 08 JUL23: TU 850; EQ 846; EX 843. Clean since BK7 D/C 6/2011.
Message 12 of 26
CreditCuriosity
Moderator Emeritus

Re: AMEX approval after BK

Did you pay them back or not after burning them?  Be extremely suprised if you burned them that recently and didn't pay them back that they would let you back in..  I think you slipped through the cracks somehow Smiley Happy.. congrats.

Message 13 of 26
9CLINE
Valued Contributor

Re: AMEX approval after BK

Congrats... Welcome back 2 the Amex Family....

Message 14 of 26
9CLINE
Valued Contributor

Re: AMEX approval after BK

Sorry to hear that...

Welcome 2 the Forum !!!!!Smiley LOL


@Anonymous wrote:
I was just denied. I had a BK discharged back in May 2010 and was told in the denial that basically once your denied you won't be approved. *Shucks*

 


Message 15 of 26
jacetx
Valued Contributor

Re: AMEX approval after BK


@cem13 wrote:

What does your file look like?


Well as far as cards that I have you can see those in my signature, AAoA about 2 years, about 13 inquiries, and 1 collection from Comcast that I'm fighting to have removed. I was added to a friend's 3 Amex accounts as an AU so I'm not sure if that helped. 

Message 16 of 26
somotao
Frequent Contributor

Re: AMEX approval after BK

Congratulations....Nice to see that one can get back in with Amex


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 17 of 26
padme
Established Contributor

Re: AMEX approval after BK

Got denied by AMEX after burning them in BK7 also.. wasted a HPSmiley Sad

Message 18 of 26
Scupra
Super Contributor

Re: AMEX approval after BK


@jace8602 wrote:

Guys, there is hope! I have a discharged BK Ch 7 from 02/15/2011 and burned AMEX for about $3k. After reading some posts here about people getting approved with a BK on file I decided to take the plunge. Instantly approved for the Delta Gold $3k and PRG. I thought I would share, it has been a good night!


Whoa!! This is new for AMEX, the earliest approvals we have seen is 5 years post d/c. Congrats on getting back in with them. 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 19 of 26
NICKI183
Established Contributor

Re: AMEX approval after BK

I believe based on the assortment of cards (displayed in your signature), AMEX was willing to give you a second chance.  I hope one day they consider me as well.  Congrats!

 

Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%
Message 20 of 26
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