Seven Years since CH 7 - can I get a good one?

Booner72 · ‎05-24-2011

Would I qualify for a Chase Freedom or anything? Scores are listed below. The only other baddie listed is two 90 day lates on Sallie Mae, 2007 and 2008.

Any ideas, or am I just s.o.l til the bk is gone? Got a costco card and they pushed and pushed me to apply for the AMEX but I knew it would be a waste due to the BK.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

webhopper · ‎09-16-2011

Based on an old thread you may try Barclay's; macys amex; alliant CU Not sure if any of those are interesting to you...

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge

DeadSpider · ‎07-29-2012

I tried for Slate from Chase and they said NO for BK (8yrs).

I do have Freedom (old Wamu) they still said NO !!!

Cap1 VISA Signature Cash Reward 2005 $6.5K, Freedom MC 2006 $5K, Amex Sky 1999 $2K, Discover IT 2013 3.5K, BCE $8800, NFL $1500

Starting Score: 0
Current Score: 742
Goal Score: 800

Take the FICO Fitness Challenge

pazuzu · ‎01-14-2009

Chase even starts their applications with:

"Before continuing to fill out your application, please confirm both of the following statements:

My credit history is clear of bankruptcy.

My credit history is currently clear of seriously delinquent accounts & charge offs."

So I would never waste an inq on Chase.

In app detox since 30.10.2011

No apps until 4Q 2014

FICO EQ 722***CK 706***CS 741***QUIZZLE 731***VANTAGESCORE 756***GO SCORE 765***

LS2982 · ‎04-09-2011

pazuzu wrote:
Chase even starts their applications with:

"Before continuing to fill out your application, please confirm both of the following statements:

My credit history is clear of bankruptcy.

My credit history is currently clear of seriously delinquent accounts & charge offs."

So I would never waste an inq on Chase.

I agree, wait until the BK comes off before trying Chase.

Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013

Booner72 · ‎05-24-2011

I read that, too!

ANYTHING ELSE? Barcleys? Not sure......

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

Settemio · ‎01-08-2011

I have a BK that is 9.5 years old, I got a Citi and Plat Amex about 1.5 years ago now. Just got another Citi (Thank You) 6 months ago as well

bbb3601 · ‎01-26-2012

My chp 7 was discharged in 2008 and i was approved for freedom 2 months ago. Only received 1k and that was after pleading with executive office x2 for a chance. YMMV, but I am proof anything can happen. When I think about loosing my job, home etc in 2007 I never thought we would make a comeback. Would still be renting and dreaming about credit cards if not for the information and encouragement from this site!!

NFCU Cash Rewards 16,500,NFCU Plat 17,000, NavCheck 10,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.

rudy0720 · ‎08-10-2012

I have gotten 4 Citi cards this year with a Chapter 7 BK in Aug 2004. No baddies since though. Amex and Macy's are NO while the BK is on your record so dont waste your time. Scores around 720

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Chase Southwest Visa Signature-6K, Discover IT-$ 7K, Capital One-$5K, Capital One-$4K, Lowes-$10K

Settemio · ‎01-08-2011

yes the key is to never get discouraged... I too lost my job for 15 months back in 2005 and lost my house to FC. Our credit took a dive... But I moved to Texas and have been working ever since and my credit is now in the low 700s and I was able to buy another home 3 years after the FC... It can be done...

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Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?

Re: Seven Years since CH 7 - can I get a good one?