I have been discharged from Chapter13 since June/2016 (filed in Nov/2013).
I have built my scores up to 705/686/716 since then with no current blemishes besides the BK.
I have CapOne QS 14K / Discover IT 12K / FirstBank 1650 / Amazon Store 3300 / Wells Fargo 3400
I had a Credit One but closed it last month due to the Annual Fee!
I've had almost all of them for a little over a year now and am currently at 2% UTI.
I have 2 small auto loans and a mortgage. but my debt to income is only 23%.
I have 3/2/3 inquiries within the last 12 months
Given the above, is there any reason to think I would not get approved?
Thanks in advance for any replies as I would hate to waste a HP
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With no replies from here I decided to bite the bullet and give it a go.
I was initially denied due to recent BK (Nov/2013).
I was a little shocked given the posts I have read here since I have over a year's worth of good history utilizing several Credit cards over that span along with my low UTI and halfway decent scores.
So... I called the backdoor number (866-408-4064) for a recon.
After answering a few questions about why I have a BK, my credit card spending habits and employment/income info...
I was given a 5K approval for their CashForward MC.
Not a great SL but decent.
