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Established Contributor
emptypockets
Posts: 511
Registered: ‎02-03-2009

Re: Apping for the Freedom post bankruptcy... Please post your results.

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‎09-09-2012 01:48 PM

A BK is not an automatic denial with Chase, but you will have to recon, and explain any large balances on CC, or high utilization. I would think you would be approved on recon as long as you have reestablished your credit with no lates, etc.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (3/2/13): 755; TU (MyFico 3/2/13):749; Walmart TU Fico 08 (5/13/13): 791; EX (8/21/12 AMEX pull): 779
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Regular Contributor
TilltedBrim
Posts: 123
Registered: ‎09-25-2011

Re: Apping for the Freedom post bankruptcy... Please post your results.

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‎09-09-2012 01:49 PM

compassion101 wrote:

First question on the chase app is:

 

Is your credit history clear from bankruptcies and/or seriously delinquent accounts?

 
YES my credit history is clear from bankruptcies and/or seriously delinquent accountsow
 
NO my credit history is not clear from bankruptcies and/or seriously delinquent accounts

 

Not saying it's impossible, but it seems pretty unlikey until the BK comes off. I have an 8yo BK and applied a year ago and was denied. I was able to backdoor a Freedom cause my WAMU account was transferred over and they did give me a PC to the Freedom when I requested it. But they won't match my largest credit lines of 5k, keeping me at 2600.

Wow....  That doesn't sound so promising.

After falling off the wagon while in the garden... And going 2 for 4 on a drapping spree I've finally received my coveted Discover More. And now I'll limp back to the garden.
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