chapter 7 discharge 8/2009
orchard bank (2 weeks post discharge) 300 unsecured: now 900
credit one bank (2 weeks post discharge) 200 unsecured: now 800
included in bk: hsbc, best buy, chase, cap 1, home depot,
I got Tires Choice (HSBC) $1000.00 CL one month after BK discharged.
Was just approved last night for a CAP 1 card. $2,000 CL
My DW and I filed on 7/14/11 Discharged 10/11
Cap one 1200
Cap one/HSBC 500
Credit one 600
Reeds Jewelers 700
The last 6 only cost me a soft pull and my FICO score on this site is higher than on the FAKO?? FICO 651??
I only carry a balance on Firestone because if I dont then they don't report. I try to get an oil change or fluids topped off and never more than a $30 balance. For everything else I buy something real small and pay it off
Cap one 2000
Cap one/HSBC 2700
AU on AMEX 58000
AU on US Bank 23000
AU US Airways 18000
AU BOA 30000
Citi Morgage 264000
Her FICO is creeping up on 700. I have no idea what it was before we filed but I wonder if the AU is helping her out? Her AAoA is almost as old as she is.
to the OP besides the usual....
CFNA is great rebuilder as well as WFNNB without a hard pull. good luck on your journey
I received a Cap ONe cash rewards card with a 2000 limit. Our Ch 13 was discharged April 9! I was very surprised.
Did you file against Cap1 in your chp 13? I filed against them as well for about $1500 and am wondering if I will be on their blacklist. I keep trying that pre-qualifier on their website but it never gives me anything.
Does anybody know of any BK friendly reward cards? Also, does anybody know if Amazon is BK friendly?
Capital one has a Cash Rewards card that I believe is BK friendly.Try using capital one's Pre-qualify check here https://findmycard.capitalone.com/PageVersions/LandingPages/LP_UNS_MS_V02.aspx
Thanks! My wife was preapproved for the Cash Rewards when we put in her information, I was not so she only app'd and was approved for $2000. We just added me as an AU. DId not want to risk the inquiry and getting declined.
That's fantastic news
Exactly 6 months after bankruptcy (Ch7), one secured Visa from State Credit Union was converted to an unsecured Visa with $1000 limit. PNC would not approve my app for an unsecured card with them. They told me I had to have my secured card for atleast a year. Well after calling twice on it, they would not budge, so I'm leaving it alone. I did get approved for a Barclays Apple Card with a $2200 credit limit. I'm happy with where I am in this stage of my recovery and am leaving this alone. I will try again with PNC at the one year mark of having their card.