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Valued Contributor
Posts: 1,502
Registered: ‎06-13-2016
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Re: My Post-BK Rebuild Update

Hi, KJT. The score on my denial letter, 687, matches my current EX Bankcard 8 score. Yes, they were IIB discharged Nov '15. I got approved after recon. It is possible! Hope it works out for you.☺
Current Scores------ EQ 689; TU 653; EX 686 FICO 08---------------- Gardening until 07/07/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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New Contributor
Posts: 57
Registered: ‎06-10-2007

Re: My Post-BK Rebuild Update

Thank you for the response....... I will wait another month or two.

BK Filed 06/15 and D/C 09/15 Current FICO 8 November 2016 EQ 657 EX 647 TU 650 CAP 1 Venture MC 11.2 k, Target 800, Banana Republic 700, NFCU 23k, Barclays NFL 11.5k, Discover IT 3k, PayPal 900, Wal-Mart 4.5k, Amazon Prime 1.8k, Belk 3.5k, PENFED Power Cash Reward 7.5k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS, PENFED Signature Loan 8.5k, Nordstrom 800. Total CC Limits 69k.
Regular Contributor
Posts: 166
Registered: ‎11-09-2016

Re: My Post-BK Rebuild Update

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? 

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Valued Contributor
Posts: 1,502
Registered: ‎06-13-2016
0

Re: My Post-BK Rebuild Update

[ Edited ]

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! ☺

Current Scores------ EQ 689; TU 653; EX 686 FICO 08---------------- Gardening until 07/07/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Community Leader
Senior Contributor
Posts: 5,273
Registered: ‎07-12-2012

Re: My Post-BK Rebuild Update


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 Smiley Happy 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!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
732 EQ FICO 06/2017
740 TU FICO 06/2017
735 EX FICO 06/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
New Contributor
Posts: 57
Registered: ‎06-10-2007
0

Re: My Post-BK Rebuild Update

What report did they pull?
BK Filed 06/15 and D/C 09/15 Current FICO 8 November 2016 EQ 657 EX 647 TU 650 CAP 1 Venture MC 11.2 k, Target 800, Banana Republic 700, NFCU 23k, Barclays NFL 11.5k, Discover IT 3k, PayPal 900, Wal-Mart 4.5k, Amazon Prime 1.8k, Belk 3.5k, PENFED Power Cash Reward 7.5k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS, PENFED Signature Loan 8.5k, Nordstrom 800. Total CC Limits 69k.
Community Leader
Senior Contributor
Posts: 5,273
Registered: ‎07-12-2012

Re: My Post-BK Rebuild Update

EX for me.. CSP, Freedom and a CLI request on Freedom

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
732 EQ FICO 06/2017
740 TU FICO 06/2017
735 EX FICO 06/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $14k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa
Regular Contributor
Posts: 166
Registered: ‎11-09-2016

Re: My Post-BK Rebuild Update

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. 

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Regular Contributor
Posts: 166
Registered: ‎11-09-2016
0

Re: My Post-BK Rebuild Update

Oh, and they seem to pull TU for the Chase Amazon Visa in Michigan from what I can tell.

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Valued Contributor
Posts: 1,502
Registered: ‎06-13-2016
0

Re: My Post-BK Rebuild Update


Scupra wrote:

EX for me.. CSP, Freedom and a CLI request on Freedom


+1 EX Bankcard for me.

Current Scores------ EQ 689; TU 653; EX 686 FICO 08---------------- Gardening until 07/07/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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