09-23-2012 10:58 PM
From my experience:
I got approvals from barclays and discover recently, both were 8 years post-BK. Pretty sure I burned discover in the BK too.
Had denials from chase and AMEX a year ago listing the BK as reasons. Had burned chase but not AMEX, fortunately got into chase through a backdoor. Also denied 8 years post BK from BOA who I had burned.
Macy's & Bloomingdales
Neiman Marcus & Saks
Kay Jewelry - they are company of 3 and you can have all 3 if you want, HP for each though.
WFFNB (Express, VS, NY & Com, etc.)
Hope when we get all done and updated, just 1 page with all are posted!!!
09-24-2012 11:33 AM
09-24-2012 11:47 AM
I filed chapter 7 bankruptcy in Dec 05-- here is what I have received since then..
Orchard Bank-opened in 07-limit was 200-now 1000
HSBC-opened in 09- limit was 650 or 750 (cant remember) now 1150
JFCU-opened in 07-limit 1000
Capital One platinum- opened in 07 limit was 300 now 2250
Walmart- opened in 07- limit was 150 now 900
Bank of America secured-- opened in 07--made addtl deposits periodically by the 1 year mark limit was 2500-- called in requested that they unsecure-- they did--but no increase at the time--got a product change to the bofa amex about a yr and a half ago--requested an increase in dec 11- denied-- requested an increase again last month (mid august) increased by 2500-- limit is now 5000
American Eagle opened in 08 limit 150-now 450
Merrick Bank opened in 06-limit was 600 or 700 cant remember it was a preapproved offer mailed to me-limit now is 2600
Capital One-opened in 09- limit 500
Ameriprise- opened in 09- limit 2000
Jared--opened in 09-- limit was 3000- they have been periodically increasing it and the limit is now 10,000-
Penfed Cash rewards card--opened in 09--this was initially a decline-- i faxed in a recon letter and was approved for 5000 but have to fax paystubs also--this card is now switched to the Penfed platinum rewards card--
Merrick Bank (formerly Hooters card) opened in 09-limit was 1500 limit now is 2200
Sorry this is so lengthy-- but I have been able to make some great credit improvements by reading this forum since my bankruptcy and wanted to share my experience- hopefully it will help someone else...YMMV
Are these everything you have and all open as of today?
Might be time to garden out some AF cards and go more prime.
Walmart, I would call right now and ask for CLI through automated system, if you use it at all, you should have no issues getting that into $3k+ range or get yourself an offer online for upgrade to Walmart Discover with the long history and better higher limits now. oh and America Eagle with GE too.
Congrats on all your cards though, some limits I didn't think possible on some cards!
09-24-2012 12:25 PM
09-24-2012 01:13 PM
I had a BK ch7 discharged in Oct 09. At that time(and up until I found this forum in July) I knew nothing about rebuilding credit. I didn't think I would ever have a chance at getting credit ever again. So, I didn't even try for 2 years. Then in June I got my first auto loan that is actually reporting to my credit(I have always bought from buy here pay here places) and that has been on time every month. I got a cap 1 secured card $200 limit at that time as well. I recently got a secured $500 WF card, and unsecured $500 cap 1 and NFCU cards. I would say, if you qualify for an account with NFCU, apply for a card with them. My scores are ridiculously low. Tu is 602 as of today, and the other two im sure are in the mid-high 500's.
As for denials....you name it, I was denied. Recon'd and denied again. JCP, walmart, discover, chase, barclays, credit one, the discover matrix, pretty sure there are more(since i have had 10 plus inq in a two month period) but almost every single one said the BK was the issue, and insufficient re-establishment of credit.
09-24-2012 02:30 PM
09-24-2012 02:57 PM - edited 09-24-2012 03:06 PM
Post BK cards Chap7 June/ 2005
I guess all can be considered BK friendly.......as your BK ages
HSBC Discover opened 07 1300 CL
Cap one platinum 2008 2000 CL
Barclays MC 11-2011 5000 CL
Fairwinds 4-2012 2500 CL
Alliant Visa 4-2012 5000 CL
Chevron 2010 1000 CL
Best Buy Store card 2008 750 CL (shutting down June 2013)
09-24-2012 03:00 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.