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HSBC...confusing me....


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I've heard of that happening...

However, DH applied by himself. What I didn't realize is that even though his BK isn't reported anymore, AmEx could see from a collection on his report that he had filed for BK, and that is the reason for his denial.

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Yeah. I've heard of tons of people who have gotten their BK removed, but been denied for BK because IIBs still appeared on their report. Even if AmEx didn't do a manual review, those IIBs would have been coded a certain way, as to be obvious to their system.

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