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Is AMEX still 5 years post BK?

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Broke_Triathlete
Valued Contributor

Is AMEX still 5 years post BK?

I don't know, maybe 6 months ago, I was reading on here that AMEX may be changing from 5 years to 4 post BK. Has there been any kind of update on that?

Personal:

Business:


8 REPLIES 8
shmacckk
Regular Contributor

Re: Is AMEX still 5 years post BK?

My wife I I are 5 years out of bk and she has got three amex cards this year.

Message 2 of 9
ambivalent
Established Contributor

Re: Is AMEX still 5 years post BK?


@shmacckk wrote:

My wife I I are 5 years out of bk and she has got three amex cards this year.


That is good to know.  They are on my wishlist.  I'll be 5 years next year.  *marks calendar* LOL

Aiming for 700 across FICO 8 and $150K TCL
Message 3 of 9
jacetx
Valued Contributor

Re: Is AMEX still 5 years post BK?


@Broke_Triathlete wrote:

I don't know, maybe 6 months ago, I was reading on here that AMEX may be changing from 5 years to 4 post BK. Has there been any kind of update on that?


DM filed for BK on 2012 and was approved for 2 AMEX cards this year.

Message 4 of 9
AverageJoesCredit
Legendary Contributor

Re: Is AMEX still 5 years post BK?

This is assuming one didnt burn Amex???
Message 5 of 9
morgacj2004
Valued Contributor

Re: Is AMEX still 5 years post BK?

4 at the minimum but most are reporting 5. 


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 6 of 9
Broke_Triathlete
Valued Contributor

Re: Is AMEX still 5 years post BK?

Jace when was the D/C? I filed towards the end of 2012 and D/C in march of 13. I'm 698 now on EX and was wondering if I'd have success in April of 2017.
Personal:

Business:


Message 7 of 9
jacetx
Valued Contributor

Re: Is AMEX still 5 years post BK?


@Broke_Triathlete wrote:
Jace when was the D/C? I filed towards the end of 2012 and D/C in march of 13. I'm 698 now on EX and was wondering if I'd have success in April of 2017.

DC was in 2012 as well. The process didn't take too long.

Message 8 of 9
pizza1
Community Leader
Super Contributor

Re: Is AMEX still 5 years post BK?

Amex is 5 yrs post DC date...
Message 9 of 9
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