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Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
0

Is Barclay, Discover or Chase

Is barclay, discover, GE cap, or Chase Bankruptcy friendly on 2008 ch7? Never burned any of them. The BK was on my Ex husbands business.

My FICO is 647 and my usage is less than 5%
Valued Contributor
Scupra
Posts: 1,366
Registered: ‎07-12-2012
0

Re: Is Barclay, Discover or Chase


Drsgwld wrote:
Is barclay, discover, GE cap, or Chase Bankruptcy friendly on 2008 ch7? Never burned any of them. The BK was on my Ex husbands business.

My FICO is 647 and my usage is less than 5%

The only touchy one would be Chase. 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
0

Re: Is Barclay, Discover or Chase

Thank YOU! I keep getting these suggested via Equifax, TransU and MyFICO, but wanted to ask 1st! AmEX slapped me in the face with a NO "You have a BK, Ya Fool!!!"
Established Contributor
0REDSOX7
Posts: 688
Registered: ‎11-14-2013
0

Re: Is Barclay, Discover or Chase

Barclays gaver 1750 five months post discharge so you should be good...assuming you cleaned up your reports.
Valued Contributor
Scupra
Posts: 1,366
Registered: ‎07-12-2012
0

Re: Is Barclay, Discover or Chase

1 year 4 months Barclay gave me $3k  Just a data point since you are farther out than Red.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
0

Re: Is Barclay, Discover or Chase

It looks like barclay denied me. Maybe because I had 2 inquiries?
Frequent Contributor
simi_go
Posts: 329
Registered: ‎04-01-2013
0

Re: Is Barclay, Discover or Chase


Drsgwld wrote:
It looks like barclay denied me. Maybe because I had 2 inquiries?

They are pretty recon friendly. Give them a call. Use the back door number in that thread.

EX FICO - 556 9/8/14 TU FICO - 546 9/8/14 EQ FICO - 620 9/14/14
BK Discharged 7/7/14

Credit One $300 $500
Capital One Quicksilver $300
Comenity/Motorola Credit $1,500
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
0

Re: Is Barclay, Discover or Chase

What does recon stand for?
Valued Member
Delia72
Posts: 35
Registered: ‎04-23-2014
0

Re: Is Barclay, Discover or Chase

Reconsideration. Search for Recon numbers. A good way to get a recon with Barclay's is to message them on Facebook. Many have been successful that way.
BK Discharge 5/6/14
Quizzle Score EQ 585 as of 7/14
TU 637 as of 7/14
Credit Sesame EX FAKO 653 as of 7/10/14
Goal 700 + home purchase

Cap 1 Unsecured Plat PC'd to Quicksilver
Established Contributor
TRC_WA
Posts: 718
Registered: ‎02-08-2014
0

Re: Is Barclay, Discover or Chase


Delia72 wrote:
Reconsideration. Search for Recon numbers. A good way to get a recon with Barclay's is to message them on Facebook. Many have been successful that way.

Are you talking about Barclays or Cap One?  I've done the recon with CapOne via Facebook message but I haven't found anything on Facebook for Barclays other than Barclays UK.



Filed BK13: 04-01-09 / Discharged: 05-07-13 / myFICO 09-14-14 EQ: 694 EX: 679 TU: 656
$2000 Cap One QS MC / $2750 Cap One QS MC / $1800 Citi Best Buy / $2200 Barclay Apple Visa / $7500 Care Credit
$650 Chevron gas / $650 76 gas / $900 Walmart / $8500 BECU Rewards Visa / $20k 3.99% BECU auto loan
CC UTIL: 28% / 2014 inquiries: EQ: 0 EX: 0 TU: 2 (3-24 & 6-13) / Gardening since 6-13-14!

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