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Regular Contributor
Posts: 162
Registered: ‎05-14-2009
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Re: Bk friendly creditors

[ Edited ]

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, 


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


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Member
Posts: 14
Registered: ‎06-02-2012
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Re: Bk friendly creditors

I got Tires Choice (HSBC) $1000.00 CL one month after BK discharged.

 

668 TU

593 EX

620 EQ


Starting Score: TU----668 EX---593 EQ---620
Current Score: TU----668 EX---593 EQ---620
Goal Score: 720

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Member
Posts: 14
Registered: ‎06-02-2012
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Re: Bk friendly creditors

Was just approved last night for a CAP 1 card. $2,000 CL


Starting Score: TU----668 EX---593 EQ---620
Current Score: TU----668 EX---593 EQ---620
Goal Score: 720

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New Member
Posts: 2
Registered: ‎06-14-2012
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Re: Bk friendly creditors

[ Edited ]

My DW and I filed on 7/14/11 Discharged 10/11

Me

Cap one 1200

Cap one/HSBC 500

Credit one 600

CFNA/firestone 1800

Express 400

Gordmans400

Reeds Jewelers 700

Onestopplus 400

Buckle 400

VS 500

 

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

 

DW

Cap one 2000

Cap one/HSBC 2700

CFNA?Firestone 2200

VS 1000

Express 500

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

 

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Bk friendly creditors


lilrosy4 wrote:

I received a Cap ONe cash rewards card with a 2000 limit. Our Ch 13 was discharged April 9! I was very surprised. Smiley Very Happy


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.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Regular Contributor
Posts: 205
Registered: ‎08-29-2007
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Re: Bk friendly creditors

Does anybody know of any BK friendly reward cards? Also, does anybody know if Amazon is BK friendly?


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


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Frequent Contributor
Posts: 255
Registered: ‎08-13-2011
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Re: Bk friendly creditors

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


Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $3300, Capital One Platinum $13000, Barclays Rewards $5700, Walmart $3500, Amazon Store Card $3500.
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Regular Contributor
Posts: 205
Registered: ‎08-29-2007
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Re: Bk friendly creditors

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.


Starting Score: TU 477 EQ 533 BK 1/27/2012
Current Score: EX 702 TU 681 EQ 652 1/10/2014
Goal Score: 700


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Frequent Contributor
Posts: 255
Registered: ‎08-13-2011
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Re: Bk friendly creditors

That's fantastic news


Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $3300, Capital One Platinum $13000, Barclays Rewards $5700, Walmart $3500, Amazon Store Card $3500.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!
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Regular Contributor
Posts: 236
Registered: ‎09-04-2012
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Re: Bk friendly creditors

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.

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