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Question about getting back in after BK

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Closingracer99
Valued Contributor

Re: Question about getting back in after BK


@Creditaddict wrote:

@1GaDawg85 wrote:

I burned several big fish when I declared BK in 2012. How long should I wait before trying to get back in with them?


seems you are in with a number of good banks already!

Discover seems to forgive the fastest

chase is pretty much no until bk is gone

amex is 7+ years

bofa is at least 3 years from baddie but not sure if you burned them

 

and of course as always we see exceptions of some that get in much sooner and some that just never get back in.

 

any banks i didn't list that you wonder in paticular.


Isn't Amex longer then 7 years ...More like 10-15+ if you Burned them in a BK? 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 11 of 15
PlasticOrPlastic
Established Contributor

Re: Question about getting back in after BK

Discover was an instant approval with CS over 640 and 2.5 years post BK (but didnt burn them).  I'd skip Citi, Chase, AMEX, until BK is gone and possibly any outstanding debt paid off.  I didnt burn any major banks, and Citi, Chase, and AMEX wont touch me almost 4 years post. 

Message 12 of 15
1GaDawg85
Valued Contributor

Re: Question about getting back in after BK

Swell Discover doesn't want me back yet....guess I'll wait it out now


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 13 of 15
1GaDawg85
Valued Contributor

Re: Question about getting back in after BK

After calling discover several times, they don't seem interested in me.....oh well! Try again in a few months 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 14 of 15
1GaDawg85
Valued Contributor

Re: Question about getting back in after BK

Figured this is a great topic for those that want to know who might be forgiving when trying to rebuild 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 15 of 15
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