Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 144
Registered: ‎04-21-2008

"Help Card" approval $2,250 just 2 months after chapter 7 bankruptcy

My DH and I have been looking at the Sleep Number Beds.  We had one on layaway.  Then they had a sale on the special edition, which can't be put on layaway.  So they offer financing.  of course I laugh.  my bankruptcy was approved 9/12.  then they tell me they have a secondary financing for people with credit problems.  So knowing I'll never be approved because of bankruptcy and the first financing is GE, I do the app. and got approved $2,250 no interest for 6 months.  my husband are planning to pay in 3. 

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012

Re: "Help Card" approval $2,250 just 2 months after chapter 7 bankruptcy

Very nice, congrats!

On a side note, the Mrs. and I are looking at bed shopping soon. Tempurpedic and Sleep number are tops on our list to check out.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Frequent Contributor
Posts: 339
Registered: ‎08-13-2011

Re: "Help Card" approval $2,250 just 2 months after chapter 7 bankruptcy

That is great sure to pay it off before the six months otherwise you could be hit with a ballon interest rate

Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Valued Member
Posts: 47
Registered: ‎04-23-2012

Re: "Help Card" approval $2,250 just 2 months after chapter 7 bankruptcy

Congrats...... What are your Scores?

Starting Score: EQ 572 TU 630 EX 637 06/28/12 Discharge Ch.7
Current Score: EQ568 TU 662 EX 629 12/10/12
Goal Score: 780 across the board

Take the FICO Fitness Challenge
Regular Contributor
Posts: 144
Registered: ‎04-21-2008

Re: "Help Card" approval $2,250 just 2 months after chapter 7 bankruptcy

I'm sorry I don't know my scores yet. Not good that's for sure. Bk about 20 accounts iib many with 90 days showing.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.