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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.
@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:
@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?
Target 200
Best Buy 750
Ritz Camera 4500
Hooters 2100
Juniper 2500
Last ap was July 2008 - Juniper
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.
@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?