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FINALLY back in w/AMEX!

ReturnOfTheCredi
Contributor

FINALLY back in w/AMEX!

My wife app'd the Blue Cash Everyday back in July (approved) and my BK from 2012, which included less than $5k with AMEX, also fell off my reports that month. I didn't officially hit 10 years post-BK til August, so dropping from the reports was slightly early. That said, we tried adding me to the new card in July and as soon as I entered the social, I was declined. I tried again a few moments ago and, to my surprise, I was APPROVED! I'm officially out of the dog house with Amex!


Just throwing it out there for others who are playing the waiting game like me. You can add one more tally mark to the "10-year" team. It seems a lot of BK folks find themselves back in good graces around this timeframe.

 

Good luck all!



Message 1 of 19
18 REPLIES 18
M_Smart007
Legendary Contributor

Re: FINALLY back in w/AMEX!

Congrats on your long awaited AmEx Approval 🎉

Message 2 of 19
FireMedic1
Community Leader
Super Contributor

Re: FINALLY back in w/AMEX!

Congrats! Us BK'ers want to know what was the point gain when the BK fell off. I got in due to not throwing them on the BBQ. Less than 3yrs to go!!!!!!




Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
Message 3 of 19
Jeffster1
Regular Contributor

Re: FINALLY back in w/AMEX!

Congrats on the approval! I know it feels really good to be back in with Amex.

FICO 8 (8/17/22) EX 709 EQ 717 TU 704
FICO 9 (8/17/22) EX 737 EQ 724 TU 742

CH 13 DC 1/5/21

Current lineup:

KEEPERS:
American Express Gold
American Express Blue Cash Everyday 6K
American Express Hilton Homors 1K
Bank of America Customized Cash Rewards Visa 15K
Kinecta MyPerks Rewards MC 35K
TD Bank Double Up Visa 4K
USBank Visa 5K
BMO Harris Cash Back MasterCard 12K
Capital One Quicksilver MC 3K
Capital One Walmart MC 2K
NFCU Amex 3.5K
Bread Financial American Express 7K
Upgrade Cash Rewards Visa 4K


ON THE CHOPPING BLOCK:
Merrick MC 2K


I practice AZEO

NEVER above 1% utilization across all cards.
Message 4 of 19
KingRue8500
Valued Contributor

Re: FINALLY back in w/AMEX!

Congrats on your AMEX approval



Message 5 of 19
NoMoreE46
Community Leader
Valued Contributor

Re: FINALLY back in w/AMEX!

Nice @ReturnOfTheCredi.  Your user name is cool. 

 

Message 6 of 19
Traveler101
Frequent Contributor

Re: FINALLY back in w/AMEX!

Congratulations on the back in. 

Message 7 of 19
ReturnOfTheCredi
Contributor

Re: FINALLY back in w/AMEX!


@FireMedic1 wrote:

Congrats! Us BK'ers want to know what was the point gain when the BK fell off. I got in due to not throwing them on the BBQ. Less than 3yrs to go!!!!!!


I think the irony was that my score didn't bump at all. Might have gone down a point or two. It just happened that when it dropped, I had just bought a new commercial mower that I financed at 0% for 60 months, but the financing was done through a TD Bank Yard Card which it essentially maxed out and suddenly made big change to my utilization ratio. That and I think most of the BK damage goes away little by little over that ten year period. I wish I could report better and YMMV. My Experian score is at 795, so I'm not really concerned about it.



Message 8 of 19
Stealth-1
Frequent Contributor

Re: FINALLY back in w/AMEX!

Congrats on the approval! What a journey...and welcome back to AMEX.




"If you don't stand for something, you might fall for anything."
Message 9 of 19
babygirl1256
Valued Contributor

Re: FINALLY back in w/AMEX!

Congrats on your . . .  back w/Amex . . . journey as that's awesome. Best wishes as you continue your credit rebuild!!! Smiley Wink

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 10 of 19
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