Lost my Platinum Card due to an income property foreclosure I had, back in 12/09. Card was always paid in full and had it for 5 years. Had Delta Platinum before that for 4 yrs...always paid in full as well. Previous scores were in the low 800's.
I own my home; have no debt; make $275,000 yr, and have large savings +large. 401K & IRA. I have a Mastercard with 70,000 limit and Visa with 16,000. My Experian score is 722, Equifax 746, Transunion 723. I realize that the "negative accounts", leading to foreclosure are on these credit reports and time for improvement is important.
Don't want to apply for American Express Platinum without a strong chance of getting it back. Need solid advice re: score needed and how long do I wait to re-apply since there is a foreclosure!