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Posts: 2,313
Registered: ‎07-12-2012
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Re: Is Barclay, Discover or Chase

Recon, recon, recon! You already took the hit so call and brown nose a bit :smileyhappy:
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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Registered: ‎07-22-2014
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Re: Is Barclay, Discover or Chase

Chase denied me on the freedom visa, because of bk, discharge on 11/2012....call for reconsider...and they denied me again, because I did I not have other rebolbving accounts (credit cards) long history....my first card after bk is the best buy on 3/2015. My TU Fico as stated on their denial card was 679

Last app 7/2014....Gardening until August 2015!
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Posts: 121
Registered: ‎08-07-2012
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Re: Is Barclay, Discover or Chase

[ Edited ]

Hope this isn't too late, but there is a really good guide in this forum about how to rebuild your credit / reach 700 score within 2 years of bk. 

 

 
I started following it, and applied for a credit one account.  I got approved!   I'm just waiting for the card.  I also followed another guide to get my Chexsystems report cleaned up post-bankruptcy.  That will allow me to open a credit union account, which since I'm in the Chicago area, I'm going to use Abri credit union (hopefully) and then see what kind of credit builder services they have.  One of the "credit builder loans" posts here took me there. 
 
I had Capital One cards before bankruptcy, so I don't think they'll approve me for another card. :smileyhappy:
 
It's a long road to recovery.. esp if you're looking to buy a house sometime.. but with resources like this forum, I'm sure it will go well.  Just remember to follow the utilization rule.. no more then 30% on your card, and pay it off as soon as you get your bill (not the day it's due.)  
 
Thanks!  Hopefully you find that guide above as useful as I found it.

Filed BK7: 04-03-14 / Discharged: 07-08-14 / myFICO: 02-27-15 EQ: 673 TU: 632 EX: 627
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Registered: ‎07-12-2012
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Re: Is Barclay, Discover or Chase


je00919 wrote:

Chase denied me on the freedom visa, because of bk, discharge on 11/2012....call for reconsider...and they denied me again, because I did I not have other rebolbving accounts (credit cards) long history....my first card after bk is the best buy on 3/2015. My TU Fico as stated on their denial card was 679


I think Chase would be best to go after around 2-3 years after discharge and some solid rebuilding. I have a feeling you meant 3/2014 for the Best Buy card as well :smileyhappy: Great job trying to recon though! Good luck

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Community Leader
Valued Contributor
Posts: 2,313
Registered: ‎07-12-2012
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Re: Is Barclay, Discover or Chase


Taoron wrote:

Hope this isn't too late, but there is a really good guide in this forum about how to rebuild your credit / reach 700 score within 2 years of bk. 

 

 
I started following it, and applied for a credit one account.  I got approved!   I'm just waiting for the card.  I also followed another guide to get my Chexsystems report cleaned up post-bankruptcy.  That will allow me to open a credit union account, which since I'm in the Chicago area, I'm going to use Abri credit union (hopefully) and then see what kind of credit builder services they have.  One of the "credit builder loans" posts here took me there. 
 
I had Capital One cards before bankruptcy, so I don't think they'll approve me for another card. :smileyhappy:
 
It's a long road to recovery.. esp if you're looking to buy a house sometime.. but with resources like this forum, I'm sure it will go well.  Just remember to follow the utilization rule.. no more then 30% on your card, and pay it off as soon as you get your bill (not the day it's due.)  
 
Thanks!  Hopefully you find that guide above as useful as I found it.

Shoot for no more than 10% and be an over achiever :smileyhappy: Also remember to let a small balance report on one card while all others report a $0 bal to maximize FICO

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
721 EQ FICO 05/2015
720 TU FICO 05/2015
727 EX FICO 05/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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