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My Post-BK Rebuild Update

Valued Contributor

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 681; TU 650; EX 687 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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New Contributor

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 2017 EQ 666 EX 645 TU 660 CAP 1 Venture MC 11.2 k, BOA Cash Reward Visa 2k, Target 800, Banana Republic 5k, NFCU 30k, NavChek CLOC 15k, NFCU AMEX Rewards 3.6k, Barclays NFL 11.5k, Discover IT 5.5k, PayPal 3.5k, Wal-Mart 5k, Amazon Prime 5k, Belk 5k, PENFED Power Cash Reward 12k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS, PENFED Signature Loan 8.5k 48 MTHS, Nordstrom 1.5k. Total CC Limits 109K.
Regular Contributor

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

Gardening since 9/7/17 Aiming for a mortgage October 2018
Valued Contributor

Re: My Post-BK Rebuild Update

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 681; TU 650; EX 687 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
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

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
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
New Contributor

Re: My Post-BK Rebuild Update

What report did they pull?
BK Filed 06/15 and D/C 09/15 Current FICO 8 November 2017 EQ 666 EX 645 TU 660 CAP 1 Venture MC 11.2 k, BOA Cash Reward Visa 2k, Target 800, Banana Republic 5k, NFCU 30k, NavChek CLOC 15k, NFCU AMEX Rewards 3.6k, Barclays NFL 11.5k, Discover IT 5.5k, PayPal 3.5k, Wal-Mart 5k, Amazon Prime 5k, Belk 5k, PENFED Power Cash Reward 12k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS, PENFED Signature Loan 8.5k 48 MTHS, Nordstrom 1.5k. Total CC Limits 109K.
Community Leader
Senior Contributor

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
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
Regular Contributor

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

Gardening since 9/7/17 Aiming for a mortgage October 2018
Regular Contributor

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

Gardening since 9/7/17 Aiming for a mortgage October 2018
Valued Contributor

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 681; TU 650; EX 687 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge