Krash Posted January 23, 2008 Report Share Posted January 23, 2008 I applied online for a amex, I shouldn't have done it but they pull ex and my fako is like 734 well one good thing, is they turned me down for BK only, and that has been back in 2000, so anyone with a bk if you got approved you are lucky, i didn't need the card citi takes care of me, so NO MORE i just figured with 0 baddies and a score that high it would over ride the BK, wrong. Well I don't know what is so nice about them anyway, they have high annual fees on some of their cards, this was the BLUE, so no blue in my box LMAO, wonder if I emailed or wrote someone for a recon? Would that work? BTW i am in GA and they pulled EX....... POST UP your opinion!!!!! Link to comment Share on other sites More sharing options...
CloudX Posted January 23, 2008 Report Share Posted January 23, 2008 If your BK was 7 years ago, and your report is as clean as it is, I would write a letter and call! But good job on getting your credit so clean! Link to comment Share on other sites More sharing options...
Krash Posted January 23, 2008 Author Report Share Posted January 23, 2008 Yea the bk was a long long while back, and no I have 0 baddies, 0 collections, I used to have charge off on all 3, a cavarly on all 3, a collection here in town paid,afni, and i got the afni and the american investment deleted along with a no reporting TL that was in BK but it didn't say that so I got it deleted, and got AIB deleted off eq, and ex and cavarly just fell off ALL 3, and the collection from here in town GONE, so I have 0 baddies and nothing but good payment, NO 30 days, that is weird, I wished i could email someone!!!! CRAP!! But the excuse was BK only, Here i will post it, weird no U ALREADY HAVE STUFF, or too many inqs nothing like that, and i have 12 now on ex lol..Thank you for your recent application for Blue from American Express. We do value your desire to establish a relationship with us. We regret that we are unable to approve your request for the following reason(s):Information received from Experian Consumer Reporting Agency (See below)The factors provided by the consumer reporting agency that affected our decision are:Bankruptcy Link to comment Share on other sites More sharing options...
Krash Posted January 23, 2008 Author Report Share Posted January 23, 2008 damn wished i could get rid of some of the ex inqs, i have 13 on tu, but they are older and some are falling off this year!!! Link to comment Share on other sites More sharing options...
CloudX Posted January 23, 2008 Report Share Posted January 23, 2008 wow good job on cleaning that up! how long did it take you? Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 honestly, a ton of stuff came off by itself, i only disputed about 8 different things, and it took me like years before i disputed, and i disputed 2 TL's that weren't mine and then years went by and my score went to over 600 after i baught a car and then i started disputing some more, and had one old debt come back on me, but the cavarly may come back it was sch'd for some reason to come off in 1 2008 not even 4 years, anyway the rest of the stuff i had in bk was showing PAID or PAID as agreed, i know it is weird but i don't ask questions! but cic helped me get over my stomach jitters while disputing items, some items i left for a while and was like ok try one delete, they deleted then i said well heck dispute on all 3 lol....... I have had really good luck as i said with them just falling off, the bk won't just fall off though lol, it will come off in barely over 3 years! Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 24, 2008 Report Share Posted January 24, 2008 I applied online for a amex, I shouldn't have done it but they pull ex and my fako is like 734 well one good thing, is they turned me down for BK only, and that has been back in 2000, so anyone with a bk if you got approved you are lucky, i didn't need the card citi takes care of me, so NO MORE i just figured with 0 baddies and a score that high it would over ride the BK, wrong. Well I don't know what is so nice about them anyway, they have high annual fees on some of their cards, this was the BLUE, so no blue in my box LMAO, wonder if I emailed or wrote someone for a recon? Would that work? BTW i am in GA and they pulled EX....... POST UP your opinion!!!!!I didn't get AMEX either. But of course they pulled TU which is probably around 630-640 by now (at least I hope it went up with losing 2 of 4 collection accounts). I don't remember the wording, but I think basically they told me that I suck. Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 as u can see, me too mags...... AWW MAGS I need a hug Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 24, 2008 Report Share Posted January 24, 2008 as u can see, me too mags...... AWW MAGS I need a hug Poor Krash and after all your hard work. These credit card companies they make me mad.::thunderously::I can understand them dissing me, but you have a good score. Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 24, 2008 Report Share Posted January 24, 2008 You know on my EQ report the only bad thing is an almost four year old repo. So when they're saying I have delinquencies and late payments (two separate reasons in these denial letters) they almost have to be referring to the repo. Nothing else is or has ever been delinquent or late. Is that damn thing gonna hang over my head for the next 3 years. I hesitate to really mess with it yet because it's still within SOL. Once it goes out I'll attack it. But, what does everyone think? Is the repo hanging over my head like a bankruptcy would? Link to comment Share on other sites More sharing options...
CleverCynic Posted January 24, 2008 Report Share Posted January 24, 2008 A repo is a biggie baddie for sure... mine's over 6 years old now finally but didn't stop me from getting the cards below....I'm sure it hurt my limits. Gone in September though... then AFNI the last lingerer in November... then I'd better see some 800's! Link to comment Share on other sites More sharing options...
direred Posted January 24, 2008 Report Share Posted January 24, 2008 Sorry, OP.Did you BK Amex? Or no? Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 Sorry, OP.Did you BK Amex? Or no?NO, I didn't bk on amex i never had one, problem is i bk'd on citifinacial and they gave me over 10g in credit on cards! How would I be able to get a recon does anyone know? Would calling them do anything? I mean that was the only reason! Also mags the repo may fall off early never know, I mean i didn't think cavarly was due to fall off, i hope they don't report again, i could probably get a house right now, but I have a mobile home to take care of already lol. At this point if you pull a report from ex and that repo is on there it will tell you when it is due to fall off, also you may have to order one from them on the phone, that is what i did..... I mean I can understand why some of the card companies dont want to mess with someone that had a bk but I have learned my lesson you DON"T BUY UNLESS you can pay!!!!!!! And there are people out there without BK's that dont learn this and end up defaulting, now defaulting because of health issues later in life can't be helped but if u dont' need it don't buy it lol.. I JUST called the student loan company yesterday and BTW they got my pay off. YAYAYAYA I only owe citi bank now, and they are 0 int for 12 months, i am going to pay 200 a month on them! get them knocked down! Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 24, 2008 Report Share Posted January 24, 2008 A repo is a biggie baddie for sure... mine's over 6 years old now finally but didn't stop me from getting the cards below....I'm sure it hurt my limits. Gone in September though... then AFNI the last lingerer in November... then I'd better see some 800's!I'll bet you will see 800 then!!I'll probably start really going after the repo once it gets ot of the SOL. I disputed it with the CRAs over the years, but I haven't contacted the directly to dispute it. At first because I didn't know what to dispute and now because I don't want to poke at them and inspire them to come after me. I know some people have had success with telling them that the UCC wasn't properly followed, i.e. they didn't notify as to when and how the car could be redeemed when they put it for auction. That's true with my case and I'm sure I could find other ways they didn't follow correct legal provedures. Oddly enough, too, they mailed me my original car title with "lien released" stamped on it and a signature of some company official. One of my arguments is if the title says "lien released" how can they be going after me for more $$? I don't know if that's a legitimate argument or not. Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 MAGS, do u have the title in your possesion??????? GUESS WHAT u are free and clear! NO LEIN no money owed RIGHT? Chime in here people!!!!!!!!! I think mags u may be free to tackle it and it may just fall off, MAGS check out my other post, it is in the credit repair portion, my fako's were higher And I have to stop applying for credit, although I used BILL ME LATER for the purchase of 37 bucks for my ficos and reports, not bad picked upa new acct and my reports lol, for 25 percent off till the end of JAN, SCORESNOW25 Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 UPDATE, called and tried to talk them into a card but NO AVAIL, they said until the bk comes off you no get a card here, so that is kinda neat because when the bk does come off and hopefully my scores will shoot up and i can get one, lol then call and say SCREW you i dont' want your stinkin card LMAO Link to comment Share on other sites More sharing options...
ctfudge&bankofC-ville Posted January 24, 2008 Report Share Posted January 24, 2008 What?!? I was going to say, Krash, that you should call them and explain how long ago that BK was. How long do they want to punish you for that, from this lifetime into the next? Punish your grandchildren's grandchildren?ooh, companies like that really make me mad. Let them continue to stupidly take on poorer credit risks that simply do NOT Have a BK in their profile. Never mind that they may be taking on absolute KIDS who may run up their credit and skip out on it. If AMEX wants to do business by a method so simplistic and rigid, then I wish them poorly - I hope they go BK themselves.(p.s. Can you tell they turned me down, too? ) Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 What?!? I was going to say, Krash, that you should call them and explain how long ago that BK was. How long do they want to punish you for that, from this lifetime into the next? Punish your grandchildren's grandchildren?ooh, companies like that really make me mad. Let them continue to stupidly take on poorer credit risks that simply do NOT Have a BK in their profile. Never mind that they may be taking on absolute KIDS who may run up their credit and skip out on it. If AMEX wants to do business by a method so simplistic and rigid, then I wish them poorly - I hope they go BK themselves.(p.s. Can you tell they turned me down, too? )WHY YES CT, I did sence a bit of hostility LMAO.. Well I don't think it is far, NO collections now, cavarly may come back but it came off because it was due too.. Anyway I will wait, and wait and wait, then on that day i hope I have over 800 CS and i will call and apply on the phone, and when they say you are approved say , NO I don't want it! your company didn't want me before the bk fell off then they dont' want me NOW!~!!!! Link to comment Share on other sites More sharing options...
Fizzle1979 Posted January 24, 2008 Report Share Posted January 24, 2008 I'm confused...when does your bk come off? You could submit a dispute to the CRA and if your report changes then they have to send an updated credit report to people who pulled your credit report. At least thats how I understand it. Worth a shot if your credit report gets clear of the BK soon. Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 negative on the "they have to send a update" the only person they send an update too is ME, also it is due off in over 3 years, I can't dispute it I am afraid too! I will dispute a creditor but not a BK, I did file it and I have to deal with it, I don't really need the card and I have a nice big credit card with 9.24 int and so I don't need em, I just figured when i pulled my fakos it said 734 and i thought i will try it, well my FICO's were lower and not in the 700, but they turned me down for BK ONLY! Thanks fizzle Link to comment Share on other sites More sharing options...
Recommended Posts