What are my chances? Amex with only the bk showing?

[itrev82]

Saw some old posts about people getting approved for an Amex once all the IIB accounts are off their file.

 

Today I got a score alert from USAA that my fako jumped 40+ points to a 772. I backdoored my file and the only remaining negative is the BK PR from 2006.

 

I have been an AU on a Amex since 2008 but want one of my own. Never had my own Amex and they were not part of my BK.

 

I did try for Amex last year with the bk and IIB accts showing and was denied with a 2nd pull on recon - so that's my only hesitation.

 

Anyone recently get approved in same situation? USAA score analyzer says there is nothing "bad" on my report (which makes me think the bk pr is that old to not factor too much, but I know to take that with grain of salt...)

 

Thanks all.

[DPDIY]

They told us no go with 3 year old BK showing.

[itrev82]

They told us no go with 3 year old BK showing.

They told me that too at 6 yr mark. Now that I'm at 7 and all bk accts are gone, wanted to see if anyone has gotten in.

 

There was a old thread from hege that said might be a chance but that was from 2007...

[NEWSTARTIN2013]

IFFY

[hegemony]

 

They told us no go with 3 year old BK showing.

They told me that too at 6 yr mark. Now that I'm at 7 and all bk accts are gone, wanted to see if anyone has gotten in.

 

There was a old thread from hege that said might be a chance but that was from 2007...

I would not try Amex until the BK is cleared off all four major CRAs.

[itrev82]

Came back with a no. Oh well - I am not going to try them again for many years. I just am a AU on my dad's account and was hoping to get a backdate to that (2008) since he doesn't want to keep the card open. I will try to get him to keep it open for another 3 years so I can piggyback off that once the BK is gone.

 

Does he have to keep the card open for me to backdate when I get my own card?

[jkk4life]

Did you try calling in for a reconsideration? I have no idea how amex is with recons, but it can't hurt since you already had the credit pull.

[itrev82]

Last time I tried for an Amex recon, they pulled a 2nd hard. I dont want to risk getting a 2nd hard and denied for same reason. Ill wait... dont need AMEX that much. (Really only want it for backdating purpose).

[jkk4life]

Ouch about the 2nd hard pull but thanks for the info. I was planning on trying to apply next year since I just added myself to DWs AMEX and at that point I'll only have the BK as well on my reports but I guess I can scratch AMEX off my list til 2018.