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Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

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

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
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

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

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: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

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

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

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

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

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


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Frequent Contributor
pazuzu
Posts: 369
Registered: ‎01-14-2009
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Re: Seven Years since CH 7 - can I get a good one?

[ Edited ]

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.

 

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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


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 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

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

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
Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011
0

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

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

Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

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

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 20,000,NFCU Plat 17,000, NavCheck 15,000, 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.




Regular Contributor
rudy0720
Posts: 220
Registered: ‎08-10-2012
0

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

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, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Regular Contributor
Settemio
Posts: 222
Registered: ‎01-08-2011
0

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

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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