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Thank you for the response....... I will wait another month or two.
OK, so now I am inspired to try Chase Amazon myself. I am 14 months post filing, 9 months post discharge. My TU score is unknown at this time but I know it's close to 700 and I have I think 3 or 4 inquiries. I waited some time to file (years) after knowing things were going south (divorce) so my bads aren't that recent and for whatever reason some of them aren't reporting. I have a Quicksilver WEMC ($13,800), a Discover IT ($4K), a Blispay ($4K) and a couple store cards with nothing on them. Utilization under 10%.
Any thoughts on my chances of swaying the recon gods to go my way on this one?
Hi kberly! They asked me to explain the events leading to my BK. I just told them what happened. I had spotless payment history prior to bk so I think that helped. My thread on my Chase approval is still floating around here in the approvals thread. http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Recon-15-Months-Post-BK/td-p/4871592
Good luck ! Keep us posted! ☺
@kberly69 wrote:OK, so now I am inspired to try Chase Amazon myself. I am 14 months post filing, 9 months post discharge. My TU score is unknown at this time but I know it's close to 700 and I have I think 3 or 4 inquiries. I waited some time to file (years) after knowing things were going south (divorce) so my bads aren't that recent and for whatever reason some of them aren't reporting. I have a Quicksilver WEMC ($13,800), a Discover IT ($4K), a Blispay ($4K) and a couple store cards with nothing on them. Utilization under 10%.
Any thoughts on my chances of swaying the recon gods to go my way on this one?
Please let us know how it turns out Like Bella Chase just asked me a bunch of questions. I called in and said, "my application was turned down for BK and I would like to request a reconsideration" just so I could get the BK out of the way. Be very nice and make sure to touch on what you have done to prevent a future BK. Good luck!
EX for me.. CSP, Freedom and a CLI request on Freedom
I'm working on building up my nerve and will let y'all know when I take the plunge, good or bad. I had great credit prior to the divorce credit dominoes and can explain it all to a sympathetic soul. Didn't burn Chase either so I feel good about all that.
Oh, and they seem to pull TU for the Chase Amazon Visa in Michigan from what I can tell.
@Scupra wrote:EX for me.. CSP, Freedom and a CLI request on Freedom
+1 EX Bankcard for me.