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Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

MichaelWoodland
Established Member

Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Good morning all, 

 

New memeber here...I am hoping to get some help.

 

I just did the pre approval on Amex's website, but they had no offers for me at this time.

 

according to Credit Karma I have a 693 and 697

 

The only blemish is a Ch 7 filed and discharged over a year ago.

 

annua income 80,000 a year.

 

What things can I do to help this process along?

 

Thanks!

Message 1 of 59
58 REPLIES 58
ImTheDevil
Community Leader
Senior Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Nothing really. Scores aside, Amex won’t touch you until your BK is in the mirror by five years and a month.

Those scores from CK don’t count - they’re not FICO scores and as such aren’t used by lenders. Keep CK to watch your reports but disregard the scores. Get your FICO scores at www.creditchecktotal.com for $1, and cancel within seven days to avoid being auto billed $30/month for a subscription. Post back up with scores and details and we can help you chart a course.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $112,400 | Agg. Util under 10%
Message 2 of 59
AverageJoesCredit
Community Leader
Mega Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Hello and WelcomeSmiley Happy. Amex will not grant you any card until you are least 5 years plus post discharge and possibly more if you burned them. If you never included Amex in a bk or a chargeoff, try again in 5 years or so. @pizza1 can give the more specific date so you can plan ahead. Again welcome to the forumSmiley Happy
Message 3 of 59
Obscure-Expert
Valued Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Fresh BK = no soup for you 

 

As noted 5 years is the benchmark for Amex and some other lenderss.  Some lenders need a year and others 3 years but, it's slim pickings until it ages some more.

 

If you head into the rebuilding section here there's plenty of threads and people willing to help with more specific situations.

500K+ TCL / 800+ FCOs
Message 4 of 59
Janus
Senior Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Gosh, i didn't even know about Amex until I was 23 or give or take. So to think there are people have wanted it since they were a kid, man was I out of the loop. lol 






Message 5 of 59
Girlzilla88
Valued Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Sorry but I do agree I heard it is over 5 years after the BK I don't have experience with this but I do remember reading it here Smiley Happy










Message 6 of 59
ImTheDevil
Community Leader
Senior Contributor

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Yes it is 61 months until Amex will approve.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $112,400 | Agg. Util under 10%
Message 7 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

I see, so 61 months from discharge

What about chase’s Bonvoy card?

Are they as strict?
Message 8 of 59
FinStar
Moderator

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

As a standard UW practice, Chase will not approve any BK profiles until BK is off CRs.

There's been very few examples of individuals being able to overturn a denial, but those are fairly rare these days.
Message 9 of 59
MichaelWoodland
Established Member

Re: Since I was a kid, I always wanted an AMEX...I need helping getting a BonVoy Brilliance AMEX

Dang so I’m pretty much SOL on both fronts
Message 10 of 59
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