Established Member
Posts: 36
Registered: ‎05-06-2013

Three Years Post-BK 7 Alliant Love

Hi I'm new here and have learned a great deal.


My first post-BK (2010) card was Best Buy MC, now $800 limit.


Next was iTunes Barclay Nov. 2011, 1600 -> 2800 -> 4000 -> now 6000


Applied last week for Alliant non-rewards Visa, got 15K limit, 0% interest for a year, 10.24% after that! (I've had a small savings actt with them for three years).


I got a little too excited and applied for a Norstrom Signature and got denied, won't even give me a store card. Back to the garden.


EXP 711 | TU 713 | EQ 669 

Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013

Re: Three Years Post-BK 7 Alliant Love


JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,135
Registered: ‎05-17-2010

Re: Three Years Post-BK 7 Alliant Love

Good job...yeah, Nordstrom is more along the lines of about 5 years post-BK.  You'll get them soon enough though!  

Posts: 27,203
Registered: ‎09-13-2012

Re: Three Years Post-BK 7 Alliant Love

Senior Contributor
Posts: 7,010
Registered: ‎01-05-2013

Re: Three Years Post-BK 7 Alliant Love

Congrats on your approvals!  As for Nordstrom, they are not BK friendly.  Enjoy waht you have, and garden for a bit.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on 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.