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Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Bk friendly creditors-

[ Edited ]

Larryhay wrote:

 

After my discharge in Feb 2012, around April 2012 I was very disorganized and scattered in my credit inquiries, so I was very lucky after reading up and getting the Barclays, I am not even thinking about any card that pulls Transunion

 


Just wanted to say I noticed something odd from Barclays.  They softed me last month on EXP even though on application they did a hp on TU.

 

I was scratching my head on that because I figured they would only do TU, but nope, they surely did an sp on EXP.  So yea they are definitely looking at other CB's.


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
Unique620
Posts: 233
Registered: ‎10-03-2009
0

Re: Bk friendly creditors-

Bk filed April 2011

 

captial one secured card June 2012

capital one platinum card June 2012

barclay apple credit card December 2012

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Established Member
hrguy
Posts: 50
Registered: ‎11-06-2012
0

Re: Bk friendly creditors

[ Edited ]

BK 7 filed 2/2012 Discharged 7/2012

 

1/9/2013: Barclay Apple Finance Visa instant approval $2200.00

 

Asked how much I wanted to spend on the app: I clicked 1500-2000 range, instant approval at 2200.00 :manvery-happy:

 

First unsecured line since discharge.  Have 1 NFCU Nrewards Secured Visa (opened 7/2012), and Apple FCU Secured Visa (opened 9/2012) both at 1000.00 each.

 

Also on Halloween, 3 months post discharge: Toyota Finance approved me for 0% for 60 months on a brand new car.  I opted to lease at 0.0008 Money Factor.  Which is basically nothing, Out of my monthly payment, only $3.00 goes to interest and taxes combined :manhappy:

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Established Member
KTR1215
Posts: 20
Registered: ‎12-20-2012
0

Re: Bk friendly creditors

hrguy,

 

that is AMAZING news! To be approved for 0% for 60 months on a new car! That really just makes me feel better about my decision and give me confidence that I will still be able to get some credit offers after chapt 7 discharge. I already have a car through Toyota financial that is paid off but and one with Capital one that is current and never late. But hey I may need another is the far future once I get everything back on track, so this is good information. Congrats to u!


Starting: 503 EQ FICO (1/2013-Pre Foreclosure)
Current Score: 583 (2/18/2013)
Goal Score: 700 (12/2014)


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Established Member
hrguy
Posts: 50
Registered: ‎11-06-2012
0

Re: Bk friendly creditors

Thanks KTR - from my understanding, if you did well with Toyota - they will always finance you at Tier 1 no matter your future situations, so it is good to have them in your pocket for the future.  Good luck to you.

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

Frequent Contributor
grassfeeder
Posts: 350
Registered: ‎03-01-2012
0

Re: Bk friendly creditors

I was just approved for an auto loan of at least $26k through Wells Fargo.  Helps that I have $15k to put as a down payment - rate was 10.99% which I am OK with as I'll have it paid off in a year and if not, I should be able to refy by then anyway.

 

Pretty happy with that as I was just discharged on Oct 31 and have just one $500 secured line open with my local credit union.

 

Gotta start somewhere.....

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 660 (9/14)
TU FICO: 642 (9/14)
EX FICO: 667 (9/14)
NFCU cashRewards $15,000 - NFCU Flagship Visa $15,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $4650
In the garden starting 3/1/14 till ???
Valued Contributor
Scupra
Posts: 1,447
Registered: ‎07-12-2012
0

Re: Bk friendly creditors

That's awesome news about Toyota! That's like unheard of fresh out of BK!!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
692 EQ FICO 09/2014
680 TU FICO 09/2014
682 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver
Established Member
hrguy
Posts: 50
Registered: ‎11-06-2012
0

Re: Bk friendly creditors

Thanks everyone.  Believe me - I had my mouth hanging open when the analyst called and said I was approved, go back to the dealership and take delivery (had went home because they were waiting to get approval to fund me since I had a fraud alert), but once the analyst verified it was me, I was all done.

 

And it is worthwhile to note that I have no previous history with Toyota Financial, so I was very impressed coming from always financing with Honda.  So for those of you who are discouraged or just unsure, give Toyota a try.  I see these advertising specials where Tier 3 (III) are getting the same rates as Tier 1+, you have to read the fine print to see if the that is stated.  I do know from the Finance Manager, you just need a 650 to make Tier 3, and if you are close a volume dealer can get Toyota Finance to bump you up.  

 

Those BK'ers who have low scores, but perfect auto history, will have auto-enhanced ficos that are good.  For instance, when I went, my normal TU Fico was 600 when the CU pulled my credt the same day (I tried them first before going to Toyota that same day), and even they approved me with a TU Fico of 600 @ 10.74%.  But when Toyota ran my auto-enhanced fico I came in right at 650 TU auto-enhanced. :smileyhappy:

Filed BK 7: 2/28/2012 | Discharged: 7/24/2012
POST BK APPROVALS:
NFCU nRewards Secured Visa: $1000 7/12| Apple FCU Secured Visa: $1000 9/12
Toyota Finance Lease: 0% | 0.0008 MF 10/12
Barclay Apple Finance Visa: $2200 1/13
NFCU cashRewards Visa: $2500 3/13

New Visitor
Adnel
Posts: 2
Registered: ‎11-27-2013
0

Re: Bk friendly creditors

Thanks to this forum I went ahead and made my first move. I was scared to apply for a credit card thinking I was going to get rejected, but thank God and to this Forum I was able to get good orientation and got my first unsecured credit card approval.

 

Filed for Chapter 7 BK: 7/24/2013

Official Discharge Date: 10/30/2013

Today: 11/27/2013

 

Applied at Capital One which I included in my past BK and got Denied

Right at that same moment I jumped over to another tab and applied at Credit One and got approved for $300.00

 

I am very happy that I was able to get approved, I know is not much but it is enough to start working my way up to excellent credit.

 

Thank You Guys for all your posts and advises.

 

My Experian FICO score Progress

Feb. 2013 - 508

Nov 2013 - 642

 

  

Valued Contributor
juggalo9er
Posts: 1,439
Registered: ‎10-24-2013
0

Re: Bk friendly creditors

not put something cheap like netflix on the credit one card, throw it in the sock drawer and pay it off in full every month.

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 3800
Indiana Members $10,000 forum credit union mastercard 12,000, forum 7.24% 2,500 Nasa FCU 25k


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