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Best time to apply for Capital One and other questions

Established Member

Re: Best time to apply for Capital One and other questions

I looked thru my credit reports last night and everything looks ok except some missing cards that was included in the chapter 7. Also, my car loan is missing even though I reaffirmed it. Chapter 7 is showing as discharged. Accounts are showing as pending chapter 7. I will check again in a few days. I went ahead and applied to Capital One and was approved for the Quicksilver One for 1k
Message 11 of 15
Established Member

Re: Best time to apply for Capital One and other questions

Everything is zero'd out on my reports. My car loan has fell off completely but I hope it will show back up since I reaffirmed it. That's 3 years of perfect payment history. I will check my reports again in a few weeks to make sure everything is ok. Should each account be listed as IIB instead of petition for chapter 7? The discharge is showing from the bk court. I also applied for Cap One QS1 card and was approved for 1k which I am very happy about.
Message 12 of 15
Established Member

Re: Best time to apply for Capital One and other questions

Sorry to post twice....mt first one didn't show up until I posted this one. I'm ar the beach with shotty service so I guess that's why I didn't see it.....lol
Message 13 of 15
Community Leader
Super Contributor

Re: Best time to apply for Capital One and other questions

Thats great on the approval! Thats exactly what I got 4 yrs ago, first card right out of the gate. Congrats!
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Message 14 of 15
Highlighted
Community Leader
Senior Contributor

Re: Best time to apply for Capital One and other questions


snowkitty2017 wrote:
I looked thru my credit reports last night and everything looks ok except some missing cards that was included in the chapter 7. Also, my car loan is missing even though I reaffirmed it. Chapter 7 is showing as discharged. Accounts are showing as pending chapter 7. I will check again in a few days. I went ahead and applied to Capital One and was approved for the Quicksilver One for 1k

best-online-collection-of-free-to-use-clipart-contact-us-privacy-H4oT4T-clipart.gif

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Message 15 of 15