I have lurked here forever, and this is my first time posting! This month my Chapter 7 BK turned 3 years old. Now honestly immediately after BK I was not trying to rebuild, I simply got an auto loan (that I like but i shouldnt have but i learned my lesson). I applied for a secured card through my bank 5/3rd one year ago and that is the only credit card I had until last month. I was approved for CO QS for 5,000, Wayfair/comenity for 2,000, and today after 3 months of oogling the app, Discover It for 10,000. 
My fico for experian is 668, my credit karma TU is 710 and EQ 706. Before applying for Discover today, i had 3 inquiries on TU and EQ, and 1 on EX. My CO card balance was 7% and the others were at 0. I never burned discover in my BK, so maybe that is why I got lucky. Now I will garden until I feel safe to apply for an NFCU card (about a year or so) and I will probably close my secured card! Just wanted to share my great news, because like some of you, I was nervous to pull the trigger, I closed my eyes and hoped for the best. Have a great day all!
First off, welcome to myFICO! Congrats on your Discover approval, I bet that was amazing to see that SL. Have fun in the garden and keep the hard work up
@Anonymous wrote:I have lurked here forever, and this is my first time posting! This month my Chapter 7 BK turned 3 years old. Now honestly immediately after BK I was not trying to rebuild, I simply got an auto loan (that I like but i shouldnt have but i learned my lesson). I applied for a secured card through my bank 5/3rd one year ago and that is the only credit card I had until last month. I was approved for CO QS for 5,000, Wayfair/comenity for 2,000, and today after 3 months of oogling the app, Discover It for 10,000.
My fico for experian is 668, my credit karma TU is 710 and EQ 706. Before applying for Discover today, i had 3 inquiries on TU and EQ, and 1 on EX. My CO card balance was 7% and the others were at 0. I never burned discover in my BK, so maybe that is why I got lucky. Now I will garden until I feel safe to apply for an NFCU card (about a year or so) and I will probably close my secured card! Just wanted to share my great news, because like some of you, I was nervous to pull the trigger, I closed my eyes and hoped for the best. Have a great day all!
Congratulations! That's a really fantastic SL from Discover for someone who's been out of BK for 3 years. I got my own Discover It in March at about 2 years and 4 months out of BK with a $2,500 SL, but then my scores are worse than yours.
Amazing sl from Disco! Enjoy
Congratulations on your Discover approval....outstanding SL....