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Synchrony approvals post-BK?

Regular Contributor

Re: Synchrony approvals post-BK?

Just another update to my thread to report some post-BK Synchrony approvals. 6 months after discharge, we were approved for Amazon, JCP, and Lowe's.

Message 21 of 45
Frequent Contributor

Re: Synchrony approvals post-BK?

Thank you very much for sharing!


CKA321 wrote:

Just another update to my thread to report some post-BK Synchrony approvals. 6 months after discharge, we were approved for Amazon, JCP, and Lowe's.


 

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 22 of 45
Regular Contributor

Re: Synchrony approvals post-BK?

Add one more to the list - Walmart also approved me at 6 months post-dc with $1,100 limit.

Message 23 of 45
Regular Contributor

Re: Synchrony approvals post-BK?

I had Amazon and Wal-Mart charge-offs in 2012 filed BK on the accounts in 2015 discharged 9 months ago and was approved for small 400 and 250 limits tonight.

CH 7 DIS (07/10/15)
TU-496 EQ-545 EX-518 (07/10/15)
(4/10/16) TU-634 EQ-612 EX--639

Cap 1 QS1 $2000 , Cap 1 QS1 $1300 ,Firestone $1200 , Cap 1 Sony Rewards $2750 , Discover IT student (secured) , 1000, Cap1 Spark $2000, Barclay's Apple $2000
Message 24 of 45
Regular Contributor

Re: Synchrony approvals post-BK?

It took me a year after discharge to get a synchrony card. I have both Amazon and Walmart, $800 and $700 respectively. I didn't burn any credit cards in my BK7.



BK7 Discharge 1/13/15
Current FICO Scores (4/12/16): EQ 650; TU 651; EX 657
Total Credit: $19,960
IN THE GARDEN UNTIL AUGUST 2017!
Gardening start date: 8/11/16
Message 25 of 45
New Contributor

Re: Synchrony approvals post-BK?

 I had 7 cards with bals (2 that were zero) for a total of 20k burned, so i've given up on them letting me back in anytime soon. For giggles (and a waisted HP), I tried for Walmart last month. I didn't get an instant denial, and when I got the response, it was only a denial for the BK, nothing else. I figure I'll try next year.

Ch7 Filed: 7/27/15  Discharged: 11/9/15   Last approval 11/02/16, Committed to the garden until 12/31/17!

Capital One QS - 10/15 - $18,500 | NFCU Cash Rewards - 7/16 - $16,100 | CareCredit- 11/16 - $7,000 | PayPal Credit - 5/13 - $5,073 | Sams Club - 6/16 - $5,000 | Amazon - 6/2016 - $3,500 | Walmart - 6/16 - $3,500 | Lane Bryant - 5/02 - $3,050 | VS - 3/04 - $3,040 | NY&CO - 3/04 - $3,010 | Torrid - 10/11 - $3,000 | Kohl's - 12/15 - $3,000 | Discover It - 10/16 - $2,600 | (SD)Overstock - 5/16 - $2,350 | (SD)Fullbeauty - 12/15 - $2,250 | (SD)Express - 12/15 - $2,250 | Target - 10/16 - $1,000 | (SD)Ulta - 10/16 - $900
Message 26 of 45
Frequent Contributor

Re: Synchrony approvals post-BK?

It seems that one year is the safe mark to try if you previously burned them.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 27 of 45
Frequent Contributor

Re: Synchrony approvals post-BK?

CKA321 What was your TU score when you got approved? I think that might be another factor for approval.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 28 of 45
Regular Contributor

Re: Synchrony approvals post-BK?


CKA321 wrote:

So, for anyone who has been able to get approved after discharge, I ask:

 

1) Which card(s)? Amazon

 

2) How long after discharge? 2 yrs + (previously denied <12 mos, <18 months)

 

3) Did you include any Synchrony accounts in your BK7? Yes

 

Thanks in advance for any info! Not a problem, it's my duty to share with all that I've gain from the knowledge of other members!


Starting Score:low 600s
Current Score:670 to 685
Goal Score:740 to 770


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Message 29 of 45
Regular Contributor

Re: Synchrony approvals post-BK?


Shooting-For-800 wrote:

was approved first time i applied which was about 1 year.

 

amazon, lowes, wal-mart, paypal = around 10,000 total


I thought PayPal was Comenity Bank and not Synchrony.
Starting Score:low 600s
Current Score:670 to 685
Goal Score:740 to 770


Take the myFICO Fitness Challenge
Message 30 of 45