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

Established Contributor

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.

1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Message 1 of 19
18 REPLIES
Moderator Emeritus

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


beenthere 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

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Credit Problems Which Is Worse?
Whats In Your FICO Score

 

 

Message 2 of 19
Established Contributor

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

Thanks.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Message 3 of 19
Established Contributor

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


beenthere 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?

1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Message 4 of 19
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.
Ch.7 BK ~ Discharged 4/08
CapOne QS (8/14) ~ $11,000CL | SallieMae (4/15) ~ $4,710CL | CapOne Plat-AU (4/15) ~ $1,000CL | MOVFCU (5/15) ~ $3,000CL | DCU Visa (6/15) ~ $2,000CL | CapOne Venture (6/15) ~ $14,000CL | DiscoverIT (3/16) ~ $6,000CL | Barclay Arrival+ (3/16) ~ $5,950CL | Target (4/16) ~ $1,000CL | Lowe's (4/16) ~ $1,400CL | Hot Topic (4/16) ~ $500CL | Amazon (7/16) ~ $1,500CL | CapOne QS (7/16) ~ $5,000CL
Message 5 of 19
Senior Contributor

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

what cards do you have now?
Message 6 of 19
Established Contributor

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

1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Message 7 of 19
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
Established Contributor

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.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Message 9 of 19
Moderator Emeritus

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?

 

 

Just puttin' syrup on something, don't make it pancakes.
Message 10 of 19