10-30-2012 03:47 PM
Yes that is great to get a new credit card after bankruptcy thats how i felt when i got approved for capital one platinum with 1000 credit line and 6 months later they have raised it to 3000 yay lol!
10-31-2012 11:48 PM
lol thats awesome, so if your at 3 now, where will i be at in 6 months? because they started me out at 2k so you think they'll bump me up to 5k maybe? lol
06-09-2014 01:20 PM
06-10-2014 08:14 AM - edited 06-10-2014 08:16 AM
I am curious which bureau Cap One uses. I am 3 months out of BK and my scores vary quite a bit. Regardless, I am low to mid 600's. I did the Cap One pre-qualification that says doesn't hit your credit and applied for the card they suggested. I was immediately denied and Cap One left 3 inquiries. Awesome.
Also denied Barclay's Priceline card.
Feeling very discouraged...
Cap One pulls all three on credit apps. So that is why you will have an inquiry on all three reports. Most companies only pull one bureau. I don't know which one they pull for pre-approvals though.
11-21-2014 02:23 PM
my Chapter 7 BK was discharged on 11/05/14. There's one old paid off account on my credit report that I had for about a year. It's an auto loan from 2008 and I was late about 3-4 times. There are also two catalog accounts that I never used, and they're still showing for paid as agreed but closed. My EQ is 513 as odd last week. I've applied form red it cards but have only been approved for $230 at Fingehut. Maybe I applied too early? The denial letters are showing reasons such as bankruptcy and too many accounts not hat were not paid as agreed. Any thoughts?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.