Credit Card Center Advertiser Disclosure†
06-17-2013 01:47 PM
I've been a lurker for quite some time now and just decided to join and post. Here's my situation:
BK 7 discharged 10/2010
CC's: Cap One (non-secured) $1500, Cap One (secured) $458, PrimeWay FCU Visa ($1000)
Auto Loan with PrimeWay FCU 2.99% 60 mo $15K.(started off with Honda Finance 1 yr after BK at 18%) refied with PWFCU 2 months ago
Conn's store card, approved for $4500 in 9/2012 only used $2800 with 0% interest, balance will be paid off in August
DTI about 9%
617 (EQ Fako)
630 (CK Fako)
643 (CS Fako)
32% utilization currently reporting but just paid off last remaining balance so utilization should drop to 2% in the next few days with an increase in scores
Opened NFCU account last week...anyone with NFCU BK 7 approval? I want to apply for $5K NFCU rewards card. Should I wait a bit or apply now?
06-17-2013 02:10 PM
06-17-2013 02:16 PM
Did you have BK? If so, was it discharged and how long ago?
Have you had any lates/collections since BK?
My BK7 is almost 3 years old. No lates since BK, but I do have 1 collection which was included in my BK (a medical bill for $100K) showing on Equifax. There are 3 collections still showing on my Transunion (all were included in BK, but they refuse to delete. They are all noted that they were included in BK though). No collections on Experian.
This is one the main reasons I'm scared to apply. They may deny based on collections even though technically the collections can't be collected.
06-17-2013 02:23 PM
Well, at least that's one less thing you have to worry about. Congrats on your score jump!
I'll be so glad when this BK drops from my credit report, I have 7 more years to go. Ugh!!
I'm hoping to hear from people who have been approved with Navy FCU for a credit card with BK 7.
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.