Wow, this thread was EPIC! After researching prime cards into the wee hours, I found this and didn't stop reading until I had finished all 27 pages. Good thing it is Sunday, so that I can sleep now. I want to thank the OP. I don't recall him being one of the famous personalities here, but he is a MVP for what he put together here. Bizarre that this thread has taken a long break, as it refutes some common beliefs I had read throughout the night during my searches.
This thread actually compelled me to take action 5 or 6 months before I had planned to, and do an application(and maybe more later). More on that after Ive had some rest, in a different thread.
I'm curious if anyone else would like to contribute any experiences. I'm most interested in folks who have included Chase, Discover, and/or Bank of America in a chapter 7, and tried to get back in with them, regardless of outcome. The amount you owed on each account(I dont want to sound judgmental by saying "burned them for") and approximate time after the bankruptcy that you applied would be very helpful.
I'm also curious if any of these IIB recons required proof of income? I think I saw it mentioned once in the thread, but who knows how often it happened without mention.
Thanks again to the OP, both the thread and your self-testing and pushing the boundaries of what was accepted possibility were epic. I know you said your wallet was complete, but I hope you will come out of retirement to do some more occsional testing. Congratulations!
