@Hampton08 wrote:I donot know how you got approved for a chase card or a discover card with a BK still on your credit report. When you apply on-line, one of the first questions they ask is if you have ever filed for BK. This is an automatic denial.
Also I have NEVER, had a creditor call me at home to review my denied application or give it a second review, and then approve it over the phone and ask me if thats enough credit or do you need more, I mean come-on.
I have also never seen a credit score in the 700's with a BK on it. If you were able to achieve these things I think that is wonderful.
When I applied for my Disco, it certainly did not ask if I had a BK reporting. I wouldn't have applied for it if it had.
I don't think anyone is saying that a creditor will call you at home (unless you have your reports frozen/they need to verify), they're saying you can call and have a live person reconsider your application... the computers are sometimes wrong in denials.
Finally, I'll have a 700+ somewhere between 18 and 24 months after discharge... you can count on it. I have 31points to go and still climbing.
For IronTek - When I applied/approved I was nearly done with a 1K credit builder loan, had my Orchard for 11 months and my C1 for exactly 6. You might have pulled the trigger on the Disco a bit too soon. Also, it NEVER hurts to call for a recon (on denial), the worst they can do is say "No" and you are exactly where you are.
-SM
Starting Score: ~470 preBK(8/2010)
@Hampton08 wrote:
I have also never seen a credit score in the 700's with a BK on it. If you were able to achieve these things I think that is wonderful.
It's admittedly hard to have a 700+ FICO with a brand spanking new fresh BK, but my scores have been in the 700's for a few years with a CH 13 reporting. My highest has been 741, and you can reportedly get up to 760 with a BK. Just sayin' 
I filed for BK in 6/2002 (almost at the 10 year mark!). My scores are in my siggy.
@arlibguy wrote:I filed for BK in 6/2002 (almost at the 10 year mark!). My scores are in my siggy.
OOooohhhhh! It's going to be fun to see what happens in a few months! Please keep us posted!!
party-party-party 
@Anonymous wrote:
@arlibguy wrote:I filed for BK in 6/2002 (almost at the 10 year mark!). My scores are in my siggy.
OOooohhhhh! It's going to be fun to see what happens in a few months! Please keep us posted!!
party-party-party
No kidding! If history is any lesson, you'll skyrocket past your 750 goal and be in the low 8's (or high 7's)! It looks like an overnight pop of +90 when BK's fall off. (empirical evidence from this board and others).
Good luck!
-SM
Well I will keep my fingers crossed and everyone posted. I do have some 30 and 60 day baddies from 4 years ago, so I'm hoping to see a modest rise. At this point, I really hope my EQ gets over 700. I'm hoping to see a jump when my 8 inquiries on EQ turn a year old at the end of this month, then again when the BK falls off. Yes, 8 inq..ugh don't ask...
my scores are in my siggy.....bk 7..... 6/2005.....i have a collection coming off 12/12......2 IIB accounts off in may.......i dont want to wasge inq....anybody here of amex,citi or chase giving out CC whe all thats listed is a public record info of bk?????
Just adding my 2cents to soulmaster.
I'm 8 months out from Ch 7. My EQ Fico pulled here is 672. My TU Lender pull is 669. Without a doubt, 700 with is clearly within reach. Don't let anyone tell you otherwise folks! We are living proof!!
Starting Score: 501