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Is Barclay, Discover or Chase

Frequent Contributor

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%
Message 1 of 25
24 REPLIES
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k 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
Message 2 of 25
Frequent Contributor

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!!!"
Message 3 of 25
Valued Contributor

Re: Is Barclay, Discover or Chase

Barclays gaver 1750 five months post discharge so you should be good...assuming you cleaned up your reports.
BK Discharge 2/11/14

Currently in the garden.
Message 4 of 25
Community Leader
Senior Contributor

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
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$20k NFCU Platinum | $25k 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
Message 5 of 25
Frequent Contributor

Re: Is Barclay, Discover or Chase

It looks like barclay denied me. Maybe because I had 2 inquiries?
Message 6 of 25
Frequent Contributor

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 - 526 9/24/14 TU FICO - 555 9/25/14 EQ FICO - 625 9/26/14
BK Discharged 7/7/14

Credit One $300 $500 --- Capital One Quicksilver $300
Comenity/Motorola Credit $1,500 --- Comenity/JCrew $750 $950
Comenity/Sportsmans Guide Visa $2500
Message 7 of 25
Frequent Contributor

Re: Is Barclay, Discover or Chase

What does recon stand for?
Message 8 of 25
Valued Member

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
Message 9 of 25
Senior Contributor

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.

Gardening since: 3-25-15
Message 10 of 25