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Regular Contributor
Comet21
Posts: 204
Registered: ‎08-29-2007

Re: Bk friendly creditors

I applied for the Apple Finance Barclays card online but I received the standard, you are not able to be approved at this time. So I was just expecting to receive my denial letter in the mail with 10 business days. But I received an email last night and I was approved with a limit $1200!!! This is my highest CL post BK. We did include Barclays(Black Card) in our BK.


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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Regular Contributor
StartingLifeOver
Posts: 136
Registered: ‎02-06-2009

Re: Bk friendly creditors


Comet21 wrote:

I applied for the Apple Finance Barclays card online but I received the standard, you are not able to be approved at this time. So I was just expecting to receive my denial letter in the mail with 10 business days. But I received an email last night and I was approved with a limit $1200!!! This is my highest CL post BK. We did include Barclays(Black Card) in our BK.


Congrats!  How many other TL's do you have?  And how long has it been since your discharge?

NFCU Cash Rewards: $14,000/FNBO Platinum: $4,600/Best Buy Cap 1: $2,500/Care Credit $7,600/TJ Maxx $600

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720

Regular Contributor
Comet21
Posts: 204
Registered: ‎08-29-2007

Re: Bk friendly creditors

We were discharged in April 2012. My tradelines are Capital One Platinum $750, Credit One $500, Wells Fargo Auto (August 2012), Apple $1200. I also have a BMW Auto Loan from Pre-BK that I reaffirmed because I only have a couple more payments. My wife has Capital One Rewards $2000, Capital One Platinum $1250, First Premier $500, CRedit One $500 and we both have our mortgage that we reaffirmed. My wife has nothing to do with the credit she has because she could care less, I just wanted to make sure we rebuilt our credit.


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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Regular Contributor
scarzy
Posts: 225
Registered: ‎04-08-2008

Re: Bk friendly creditors

I got a CapOne cash rewards ($500) with a 620 FAKO score 3 days after Ch7 discharged!

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Valued Member
hawaii12
Posts: 47
Registered: ‎04-23-2012

Re: Bk friendly creditors

Comet21  just sent you a private message


Starting Score: EQ 572 TU 630 EX 637 06/28/12 Discharge Ch.7
Current Score: EQ568 TU 662 EX 629 12/10/12
Goal Score: 780 across the board


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Established Member
Hwndori
Posts: 13
Registered: ‎11-21-2012

Re: Bk friendly creditors

Im trying to find some soft pull credit lines to try for, but being new to the forums I  have no idea what some of the abbriviations are. Ive applied for Target, BoA Student Card and accepted a pre-qualify Capital One card for $500CL. Target and BoA gave me the "7-10 Day" response so Im assuming I was denied... I dont want to put anymore inquiries I already have 4.


Starting Score: Post BK 6/20/12 (434); 11/20/12 TU:530 EX:531 EQ:534 (Lender Pull)
Current Score: 6/30/13: TU:620 EX:591 EQ: ??Moving Up!
Goal Score: 700 & Mortgage Ready
Gardening! Last App: 6/13 No Apps till 6/14 (Mortgage I hope)
Wallet: Cap One Plat $750, Rewards $500,Spark $500, Finger $350, First Premier $300, Matrix $300, Bill Me Later $250
Frequent Contributor
shols44
Posts: 397
Registered: ‎11-03-2012

Re: Bk friendly creditors

Hwndori, a few suggestions for you.  Try the shopping cart trick for express, victoria secrets, J Crew, Roamans or Buckle. All are soft pulls and you can get a positive tradeline reporting for you typically around 250. I'm not sure if you are post BK or not, but BOA is uber prime and I would stay away from primes for now. I would avoid apping unless you have a decent likelihood of getting approved. One way to do this is to know your fico scores for TU and EQ.  Use whogavemecredit.com to research a lender you a considering and who they are most likely to pull. Also google "credit pulls database".

 

That being said, capital one and credit one are BK friendly and both have prequals with initial soft pulls but will will require a full hard pull if you are approved. CreditOne is horrible but a necessary evil and means to an end. Since you already have Capone, your have a few options left. In anycase, avoid apps unless you have a pretty solid idea what your chances are. 

 

 


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Member
Dlane
Posts: 8
Registered: ‎11-22-2012

Re: Bk friendly creditors

Thanks for the advice. Unfortunatly I didnt even prequal for the credit one and when i did the shopping cart trick nothing was offered, so all i have is accounts with all of them.. Guess I am going to garden for awhile and baby my capital one card and fingerhut account!

 

(FYI This is Hwndori, I decided to purchase the monitoring and it created a new account for me instead!)



Starting Score: 11/20/12 TU:568 EX:531 EQ:534 (Lender Pull)
Current Score: TU:568 EX:531 EQ:534
Goal Score: 700
Gardening! Last App: 11-2012, No Apps till 7-2013! Wallet: Capital One $500, Fingerhut $230
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Frequent Contributor
shols44
Posts: 397
Registered: ‎11-03-2012

Re: Bk friendly creditors

Try again in a month or so. Keep your util under 10% and things will start moving up pretty quick. BTW, have you checked your CR to make sure all included accounts are IIb? (0 bal, 0 due). Hang in there. Things are going to get better. 


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Established Member
dizzydee
Posts: 23
Registered: ‎10-11-2012

Re: Bk friendly creditors

[ Edited ]

BNK Discharged 12/2011

 

Jan 2012:  Cap 1 Secured $350 ( $49 for $200 CL, but 3 months later gave me a $100 CLI)

Apr 2012:  Cap 1 Cash Rewards Card ( unsecured) $500 cli, 7 month statement increase of $250, total CL $750

Oct 2012:  Barclays NFL Extra Points Rewards Card $500 CL

Oct 2012:  Walmart $400 CL

Nov 2012: NFCU Cash Rewards $1000.00 CL

Nov 2012: Jared's $2000. 00 CL

Jan 2013: Gap CL $300.00

 

 


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