07-03-2013 06:18 PM - edited 07-03-2013 06:35 PM
07-04-2013 07:55 AM
07-04-2013 10:41 AM
07-04-2013 11:16 AM
I tried after receiving a solicitation and was denied for BK7. My BK was filed 8/2009 and discharged 12/2009 and did discharge Discover, so YMMV.
07-28-2013 04:14 PM
I had a chapter 13 still showing on my report and was approved back in May 2011 for the More Card. It was only a $1000 limit but it got me in. I finally PC'd to the Discover IT back in May 2013.
07-29-2013 10:50 AM
I was actually approved for the More, not the IT. (Thought it's since been converted to the IT)
To get a Disco w/ BK still reporting, you:
Even still, YMMV. But, I can tell you that the trick is to apply online for the standard $100 cash back offer... the system may offer you something with less favorable terms. At least, that's how it happened for me (and most of the other people who follow my rebuild plan that let me know their progress).
As an add to that, I was myFico EQ 663 when I applied... their approval letter said EQ Fico 633.
Good luck either way,
08-01-2013 08:16 PM
05-16-2015 05:07 PM
I got the ole sorry we're not able to approve your app at this time response after I went to their site and did the best card offer without the hard pull. It gave me the discover it card. I applied and I got the denial but it says also in all caps "APPLICATION BEING PROCESSED". I'm confused. Post chapter 7 January 15. Cap1, CapPlat, Secured Navy Fed, TOTAL visa. (I need to get rid of that one)
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.