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27 year old BK Still

Member

27 year old BK Still

Can a credit card company turn you down for a CC 25 plus years after your BK?

 

I applied for a card and in the reason for denial (as Stated in the letter) I had a BK and didn't get the card..

 

I pulled my credit report to see what was going on and did not find any bad information.. I also

called and was told the same thing.. They said No again due to the BK. 


Starting Score: 680+-
Current Score: 747 to 791
Goal Score: 800+ for all


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Message 1 of 6
5 REPLIES
Moderator

Re: 27 year old BK Still

Wow...what card is this that told you no 27 years after discharge?

Message 2 of 6
Member

Re: 27 year old BK Still

Citi 


Starting Score: 680+-
Current Score: 747 to 791
Goal Score: 800+ for all


Take the FICO Fitness Challenge

5/12 Cap 1 $500 7/12 Chase Freedom $1000 7/12 Discover More $1500
Message 3 of 6
Moderator

Re: 27 year old BK Still

Maybe someone else knows if Citi blacklists. It sounds like it from your experience. I have a BK too, but I thought it was because my BK was recent (2008)

Message 4 of 6
Established Member

Re: 27 year old BK Still

BK falls off your CR but is always on your public record. When I worked an auto dealership several people with 15+ year BK got axed by certain finance companies over BK despite spotless CR's & great scores. So yeah it's always possible that the info is "available". It's depressing really to think about.
BK discharged 7/2010 -
TU 624 8/2010 TU 675 6/2015
EX 664 7/2011 EX???

40 pt climb in 1 year with 3 positive TLs (school loan, auto loan & 1 credit card)

Message 5 of 6
Regular Contributor

Re: 27 year old BK Still

could be blacklisted especially if you included citi in your bk


Starting Score: EQ 505 jul09
Current Score: EQ 702 TU 693 EX 692 apr12
Goal Score: 700+


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Message 6 of 6