BK GONE 2 Out of 3!

Congratulations! Do you know score increase?

 

Congrats!! TU should be a few days later. They have always been about 4 or 5 days behind Exp and Efx for me.

 

give it another couple of days

 

I just checked EFX - 3 out of the 6 negatives disappeared. Cmon cmon cmon....

 

Niceguy, Congrats and as they say welcome back!

Yeah hang in there the TU should drop off in a few days.

Best regards,
Mirage

 

Congratulations! I know you've waited a long time for this.

 

Hey NiceGuy - I just applied for AMEX GOLD Preferred.

I had called new accts FIRST - they had tried to get me upgraded but told me I needed to apply. She told me if I was declined, to call immediately and ask for supervisor override.

WELL - it processed and said it was in process. I called the AMEX group, mentioned the prior conversation - they pulled EQUIFAX (Cal) - 663.

She immediately got it to a supvr - who told me it looks promising - but I will not know for 5 days.
AMEX also lets you pull a second report if necessary.

They said they hold in very high regard my Green Card payments over the last 3 1/2 yrs - she thought it looked good. So, we will see.

NiceGuy - I BET they pull EQX.
Amex told me they have approved with FICOs at 630, and that I had a high score as well. It would have been a HELL of a lot higher if they had pulled either other bureau.

Keeping the AMEX fingers crossed.
It also seems clear to me that if I get this thing approved, I will be on AMEX future pre-approval lists.
I went for it - sharing the experience.

NiceGuy - I bet you will get BLUE now - but sure enough, they might pull TU - you just can't tell for sure.

I am betting you would get a BLUE now - and if declined, override with a supvr.

aarrff - dogman

 

Frankly, NiceGuy - with 2 out of 3 credit bureaus showing me at 755 and 749, I am allowed to ask them to pull another bureau - they might anyway.

The person in new accts that I worked thru this am told me the process...chances are I would be auto declined, but score was high, and past 4 yrs superb - then it would go to a supvr for override - then get the card.

I expect I will get the GOLD this time. If not, I have EFX send an updated report to AMEX - so, I will get it
sooner or later - and I think I will get it this time.

BUT - NiceGuy - with no BK and no negs, you are set.
I banked that they would pull EXP or TU - nope, right to EQX - oh well. We should start to see mail offers quickly....

aarrff dogman

 

dogman, I'm confused as why AMEX is giving you a hard time. Is the report that they pulled with the 663 which contains derogs?

At this point I am planning on applying sometime in Nov as I need to reduce the debt and await for 3 inqs to reach the 6 month period.

Best regards,
Mirage