What was your credit score and situation since BK? I had two AMEX accounts that went to collections back in 2007, that have been removed from my bureaus. Since then, I’ve always wanted to get another card with them, but knowing I defaulted for quite a bit of money, I figure I am on their blacklist. When I started my job last January, part of my employment was to have an AMEX Corp Card for travel and expenses.
I had to apply for the card through AMEX, using my companies code or something. To my amazement, I was approved, through AMEX. Also, the corporate card is in my name, no mention of the company on the card. On the statement mailed to my house, the bill is in my name with company name on second line, before address.
Also, I just recently noticed, there was a hard credit pull/inquiry on Experian around that time I apped back then. So my question is, the fact that all the above happened and the AMEX derogs are not on my bureau, could I possibly be eligible for another card, based on my being approved for the corp card with a hard credit pull? I've read that being approved for a Corp Card, gets you off of the blacklist, even if your company guarentees it.
My scores now are an average 706 all bureau's, with great income.
Starting Score: 589/599/598 5/8/14
FICO® Score 8: EX 788 TU 791 EQ 785 05/09/23
Goal: Was 740 across all bureaus. DONE!
