03-14-2013 02:18 PM
Thank you Enharu.
I would go with BofA, but I burned them in my BK as well. My main checking account is with them as well. But I don't think I should even risk the inq with them...
03-14-2013 02:26 PM
03-14-2013 02:31 PM
Personally, if I were you, I'd wait until utilization was under 9% and go for NFCU. Then I would wait until that reports, then go for Capital One. Keep in mind that they pull all three reports. Then I would wait 6 months and try for Discover Don't try for anyone you have burned as your bankruptcy is too new. Also, note that in most cases, Amex will not consider someone with a bankruptcy until it is at least 8 years old.
03-14-2013 02:34 PM
I forgot to add that you may want to consider a GE backed card too, like Walmart. The rule of thumb is that you can call and ask for a CLI every 4 months and they are generous with increases. But I would wait until after NFCU on that one too.
03-14-2013 02:38 PM
03-14-2013 02:50 PM
Wait until your UT is down and app with NFCU. Skip CapOne. They will certainly approve you but it will be three hard pulls and a $500 credit line that will max out at $750, simply not worth three hards unless you are absolutely desperate for a trade line. You score and overall application will look much much better with <10% vs. 30%, especially with a recent BK.
03-14-2013 03:02 PM
Wow. Cap one pulls off all three? I think I will skip them and focus on NCFU. I would like another CL and dump Credit One though.
Thanks again to everyone and this forum!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.