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I did.....22 months pst chpt 7....$600 CL....648 TU
@shorrttyycm1 wrote:
Thnx for the info...if u dnt mind me asking was it store or discover version
im almost positive it was the store card.
i was no bk with a 690 when i applied and got an 800 store card. from what i hear its discover if you qualify for 1k off the bat.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
pretty much get a store version i get....
@shorrttyycm1 wrote:
@I really want a walmart cc for the tu fico but was told by csr (underwriting) after a denial a lil while back that had to be @tleast 24 mnths post bk to qualify. BUT a family member just got approved no prob 7mnths out??
So, my question is, has anyone gotten approved for a walmart store or discover less than 24 mnths post chptr 7??? Curious ...thnx!!!
Well my bk was discharged November and I have one, so I think it is YMMV. I was a bit shocked to get an instant approval but I did get it. Maybe THAT csr is using HIS/HER own judgement on the bk. I would call back and speak to someone else, and if that doesn't work, rinse and repeat.
@shorrttyycm1 wrote:
@I really want a walmart cc for the tu fico but was told by csr (underwriting) after a denial a lil while back that had to be @tleast 24 mnths post bk to qualify. BUT a family member just got approved no prob 7mnths out??
So, my question is, has anyone gotten approved for a walmart store or discover less than 24 mnths post chptr 7??? Curious ...thnx!!!
I've never heard of a waiting period post BK for GEMB. Probably a CSR who was misinformed. You may need to have some recent, positive history showing first. I had 1 yr w/2 secured loans on my CR and got approved for $200 on Old navy, which was my first rebuilder. Also, they tend to be a little more generous or lenient around the holiday time. So, you might want to try again. Or you may need to clean up any negs still on your CR before you app again.
What did your denial letter say? That's probably more accurate than what the CSR told you.
Just had a thought: Did you burn GE in your BK? That could account for the waiting period.
@shorrttyycm1 wrote:
Rhaeny,
Do u mind me asking, store? What was ur score and granted cl? Thnx!
Yea it is the store card with $1K. I wanted Discover but oh well. Oh my TU score was 687.