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It's finally time. Chase Freedom maybe??!!

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Anonymous
Not applicable

It's finally time. Chase Freedom maybe??!!

Their aplication states that I should be free of BK before filling it out. I can't say that. What I can say is I am blimish free in any way in 7.5 years since the BK. My credit reports read no other defects BUT the "public record" of 2002. I have 2 major cards and 3 store cards. Zero balance on any. No inquiries in 18 months. Paid off one car and always pay a month in advance the third year into my second car after BK. Live in same place 5 years. Same job 8 years at 50k. No debt but rent and $263 car payment.

Can I? Can I hah? I want my first real card. If not this one, which one? It's time.

Message 1 of 19
18 REPLIES 18
MarineVietVet
Moderator Emeritus

Re: It's finally time. Chase Freedom maybe??!!


@Anonymous wrote:

Their aplication states that I should be free of BK before filling it out. I can't say that. What I can say is I am blimish free in any way in 7.5 years since the BK. My credit reports read no other defects BUT the "public record" of 2002. I have 2 major cards and 3 store cards. Zero balance on any. No inquiries in 18 months. Paid off one car and always pay a month in advance the third year into my second car after BK. Live in same place 5 years. Same job 8 years at 50k. No debt but rent and $263 car payment.

Can I? Can I hah? I want my first real card. If not this one, which one? It's time.


Your own words give you the answer you are looking for.

 

 


From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

You can do the same thing with hard work

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Message 2 of 19
Anonymous
Not applicable

Re: It's finally time. Chase Freedom maybe??!!

Thanks.
Message 3 of 19
Anonymous
Not applicable

Re: It's finally time. Chase Freedom maybe??!!


@Anonymous wrote:

Their aplication states that I should be free of BK before filling it out. I can't say that. What I can say is I am blimish free in any way in 7.5 years since the BK. My credit reports read no other defects BUT the "public record" of 2002. I have 2 major cards and 3 store cards. Zero balance on any. No inquiries in 18 months. Paid off one car and always pay a month in advance the third year into my second car after BK. Live in same place 5 years. Same job 8 years at 50k. No debt but rent and $263 car payment.

Can I? Can I hah? I want my first real card. If not this one, which one? It's time.


What would be a really nice alternate option here folks? Somebody will get me close to prime with my current record. Even with the deadline rate jacks Juniper only jacked me to 12.9%. What say ye folks?

Message 4 of 19
StarraeAday1
Regular Contributor

Re: It's finally time. Chase Freedom maybe??!!

I say find a credit union. They're much more likely to lend in circumstances where some traditional lenders may not be. I just refinanced a 22.58% car loan with a local credit union at 6.75%. They offered to refinance our other car at a similar rate, and said that within 6 months to a year we can come get a credit card, and he predicted a limit of $2500-5000. Our highest limit right now is $600. We're right at 2 years out of our BK. Credit unions are the way to go.
Foreclosure - June 2017
Ch. 7 BK - Discharged January 2018
6/2020 - EQ 680 | EX 691 | TU 707
Message 5 of 19
Wolf3
Senior Contributor

Re: It's finally time. Chase Freedom maybe??!!

what cards do you have now?
Message 6 of 19
Anonymous
Not applicable

Re: It's finally time. Chase Freedom maybe??!!

Target 200

Best Buy 750

Ritz Camera 4500

Hooters 2100

Juniper 2500

 

Last ap was July 2008 - Juniper

Message 7 of 19
jausanka
Frequent Contributor

Re: It's finally time. Chase Freedom maybe??!!

PenFed

Navy FCU

360 FCU

Crap1

HSBC

Alliant

 

All of them have approved me for unsecured credit with a BK listed.  USBank and USAA weren't so nice to me. 

Message 8 of 19
Anonymous
Not applicable

Re: It's finally time. Chase Freedom maybe??!!

Thank you. Cap 1 and HSBC are out. I'll look into alliant. I'm also looking at the local credit union. They look pretty promising too. Nevada Federal Credit Union.
Message 9 of 19
Anonymous
Not applicable

Re: It's finally time. Chase Freedom maybe??!!


@jausanka wrote:

PenFed

Navy FCU

360 FCU

Crap1

HSBC

Alliant

 

All of them have approved me for unsecured credit with a BK listed.  USBank and USAA weren't so nice to me. 


 

Thanks Jausanka - that's a great list.

 

Can you tell us how long post filing or post discharge you were when you were approved?  And was it BK13 or 7?

 

 

Message 10 of 19
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