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Discover and bankrupcy on file?

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Taoron
Frequent Contributor

Discover and bankrupcy on file?

In the guide, it mentions to apply for Discover IT card.  However, I've heard Discover isn't bk friendly.  Has anyone ever been successful in getting a Discover card with a Chapter 7 bk on their file?

 

I filled out the pre-application just for the heck of it, it recommended the it card.  I applied, and of course I got denied.  Reasons were "Bankruptcy" and "Past and/or Present Delinquent Credit Obligations"

 

Yeah, I had a lot of lates prior to bk.  Does that mean you have to wait for all those to fall off before they'd even consider letting you have a card?  I thought I lucked out by having a Discover It card recommended in their pre-application.  I was wrong.



Message 1 of 13
12 REPLIES 12
0REDSOX7
Valued Contributor

Re: Discover and bankrupcy on file?

I believe you apply for the Discover no sooner than 12 months post discharge.
BK Discharge 2/11/14

Currently in the garden.
Message 2 of 13
0REDSOX7
Valued Contributor

Re: Discover and bankrupcy on file?

Also, recommended for a discover card is their bogus screen. When you are pre approved, it will tell you.

To prove it, put in bogus info that you know is wrong and it will recommend a card for you.
BK Discharge 2/11/14

Currently in the garden.
Message 3 of 13
Scupra
Super Contributor

Re: Discover and bankrupcy on file?

Discover the unicorn... They are an odd lender to say the least lmao

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 13
mrsjr
Regular Contributor

Re: Discover and bankrupcy on file?

I have an IT card. I got it about 2 yrs post filing. Most of my baddies were gone except the bk. My utilization was very low, too.


Starting Score: 601
Current Score: 739 TU
Goal Score: 800


Take the myFICO Fitness Challenge
Message 5 of 13
Scupra
Super Contributor

Re: Discover and bankrupcy on file?

I thought I was playing it safe waiting until 22 months post d/c with EQ FICO 680 and very low util and still a no go!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 6 of 13
barbaralee
Established Contributor

Re: Discover and bankrupcy on file?

I have an IT card, I got it a couple of months after my BK turned 4 years old. I was not expecting to be approved. I applied with the expectation that it would get denied or I would be offered a secured card and the master plan was RECON upon denial. They did approve me for the very low limit of $1500, but it's all good, I was just going to request an increase later. My utilization is very low (average less than 5%) and my highest credit line is 6k Arrival. 

 

 

Message 7 of 13
Wizdog1
Regular Contributor

Re: Discover and bankrupcy on file?

Hi there, I applied last night for Discover It and was approved instantly for 1500.00. My Fico TU 641 and Equfax 619. BK discharged 9/15/14. Make 50k, have auto loan and visa pre bk, my mortgage no longer reports but does show my past history. Not sure why it's not more cut and dry on as to the rational, it's a mystery. Thank you to everyone who contributes, wish I would have known about this site long ago. My alert today advised Discover pulled Equafax, my lowest score.

Message 8 of 13
Scupra
Super Contributor

Re: Discover and bankrupcy on file?

Congrats on the Discover! I want to say they pull EQ04 which is a different score then myFICO. I can't remember 100% though.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 9 of 13
Wizdog1
Regular Contributor

Re: Discover and bankrupcy on file?

Hi there, alert was from myfico advising Discover inquirey. Never had a card with them, use to get pre approval apps in the mail when I had high scores and was not interested, I shreded them. Boy have things changed. I want to see you get one with a high limit, you crack me up kidding about it. Looks like you have done well, very happy for you and thank you for all you do you give me hope and pease.

Message 10 of 13
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