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DCU and BK's. Need info from the guru's

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pizza1
Community Leader<br> Super Contributor</br>
Community Leader
Super Contributor
‎06-09-2014 03:55 PM
‎06-09-2014 03:55 PM

DCU and BK's. Need info from the guru's

So I've lurked some, but wanting to know firsthand if DCU is BK friendly, and if so...at what point? Do scores need to be over a certain number for their CC's, and how far out do you need to be? Do they HP for membership? Report to all 3 CRA? Chances of a refi car loan with them as well. Just want a little advice here.    Thanks!

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somotao
Frequent Contributor
‎06-10-2014 05:19 PM
‎06-10-2014 05:19 PM

Re: DCU and BK's. Need info from the guru's

This question is better in the bankruptcy forum....DCU is BK friendly. Hardpull for both application membership and credit card. How recent is your BK? What other tradelines do you have?
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
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coldnmn
Mega Contributor
‎06-10-2014 05:42 PM
‎06-10-2014 05:42 PM

Re: DCU and BK's. Need info from the guru's

@somotao wrote:
This question is better in the bankruptcy forum....DCU is BK friendly. Hardpull for both application membership and credit card. How recent is your BK? What other tradelines do you have?

Answers in the signature.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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somotao
Frequent Contributor
‎06-10-2014 11:22 PM
‎06-10-2014 11:22 PM

Re: DCU and BK's. Need info from the guru's

@coldnmn wrote:
@somotao wrote:
This question is better in the bankruptcy forum....DCU is BK friendly. Hardpull for both application membership and credit card. How recent is your BK? What other tradelines do you have?

Answers in the signature.

Didn't see the signature....Was reading via my smartphone.

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
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krielly
Established Contributor
‎06-11-2014 07:21 AM
‎06-11-2014 07:21 AM

Re: DCU and BK's. Need info from the guru's

the first question that comes to mind is this. Are you looking to refi a car that was included in your BK? 99% of the time, that is never a good idea.......

 

If the loan was included in your BK, you are legally able to walk away from it with no problems if something happens down the road. You may retain the vehicle as long as you continue to pay on it, but if you refinance the loan post BK, you are recommitting yourself all over again, and taking away the protection of the BK......just my two cents.

 

K


You can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icing!
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