Speaking of American Express

smallfry · ‎05-05-2008

I got the application bug again.

I was denied last May for a BK7 which at the time was 7 years old it is now 8. Debating whether to try again. I don't really mind the inquiries that much since I don't have any interest in applying to any other issuers. Rather than risk a very low limit credit card I was thinking about a no preset charge like the Gold. Think I'm wasting my time? TU 717 EQ 706 EX 707. No new accounts last 7 months. Utilization under 2% DTI around 2%. Think I get knocked down again for the BK?

Anonymous · ‎05-05-2008

What were your scores last year when you were denied?

smallfry · ‎05-05-2008

682 682 674

Anonymous · ‎05-05-2008

@smallfry wrote:
I got the application bug again. I was denied last May for a BK7 which at the time was 7 years old it is now 8. Debating whether to try again. I don't really mind the inquiries that much since I don't have any interest in applying to any other issuers. Rather than risk a very low limit credit card I was thinking about a no preset charge like the Gold. Think I'm wasting my time? TU 717 EQ 706 EX 707. No new accounts last 7 months. Utilization under 2% DTI around 2%. Think I get knocked down again for the BK?

Was AMEX IIB? If so, I wouldn't waste the INQ.

smallfry · ‎05-05-2008

No AMEX was not included in the BK. So what do ya think? Last time they pulled all three credit reports on me. TU and EQ aren't a problem. EX sticks but I don't plan on any other issuers so I was wondering whether i should pull the trigger on a charge card not wanting to risk a very low limit credit card. Any old BK's getting approved with AMEX lately?

shyboy · ‎05-05-2008

AMEX isn't BK friendly

-------------------------------------------------------------------------------------------------Getting back in the credit game after major setbacks

Anonymous · ‎05-05-2008

Does a BK ever drop from a CR?

What exactly does it mean when a BK is discharged?

I always see people refer to this, but never quite clear on it.

Anonymous · ‎05-05-2008

smallfry wrote:

Any old BK's getting approved with AMEX lately?

They will deny if the BK is reporting, regardless of how old it is.

smallfry · ‎05-05-2008

BK7 drops 10 years after the filing date.

fused · ‎05-05-2008

smallfry, do you have any sizable CLs...5K or more?