BK GONE 2 Out of 3!

Discussion in 'Credit Talk' started by NiceGuy, Oct 1, 2003.

  1. NiceGuy

    NiceGuy Well-Known Member

    Experian and Equifax are totally clean!!!

    Trans Union is the only hold out still showing the filing.


    What day of month did you pull TU?

  2. Melissap1

    Melissap1 Well-Known Member

    Congratulations! Do you know score increase?
  3. LKH

    LKH Well-Known Member

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

    dogman Well-Known Member

    give it another couple of days
  5. dogman

    dogman Well-Known Member

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

    NiceGuy Well-Known Member

    Melissap1: EQ jumped from 721 to 743 when it fell off.

    Dog/LKH: I will wait a few more days then pull TU again.

  7. Mirage

    Mirage Well-Known Member

    Niceguy, Congrats and as they say welcome back!

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

    Best regards,
  8. Hedwig

    Hedwig Well-Known Member

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

    NiceGuy Well-Known Member

    Thanks everyone. Just waiting for TU to clear! Want to apply fro Blue now since am 99% sure they will pull only either EQ or EXP! Tempting....
  10. dogman

    dogman Well-Known Member

    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
  11. NiceGuy

    NiceGuy Well-Known Member

    Good luck, Dog! Thanks for sharing and I will keep my fingers crossed for you!

    I really think if I go for Blue they will pull EQ but am a little concerned that they may pull an AR or something on TU before the BK goes away. I am debating it right now. whether to apply or wait until TU is clean...
  12. dogman

    dogman Well-Known Member

    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
  13. Mirage

    Mirage Well-Known Member

    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,

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