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Senior Contributor
jsucool76
Posts: 3,640
Registered: ‎12-11-2011
0

Re: What cards can i get approved for?


gettnthere wrote:

LS2982 wrote:

gettnthere wrote:

llecs wrote:

nicholasc77 wrote:

jsucool76 wrote:

When was your BK? 


Oct 2005

 


OP, don't rush into this. In the thread below, you filed for BK in June and it was just discharged 3 weeks or so ago. There's no rush. Focus on rebuilding too. You already have a great mix of credit. Use one of your CapOne CCs for Christmas. If not that, then get a secured CC with a guaranteed limit.

 

http://ficoforums.myfico.com/t5/Auto-Loans/In-need-of-a-car-loan-NOW/m-p/1560162

 


after reading that^^^^ post, all i can say is..wow.........


Yea thats how I feel too. That is a insane amount of debt, and being in that situation if it was me I would want nothing to do with CC's.

 


I absolutely agree!

OP__ did you file for bk in 2005 and then again just a few months ago? (as stated in your 2 previous threads you list 2 totally diff dates for your bk)


Yeah I just asked about that in one of OPs other threads, I can't keep up with which one is which anymore. 

Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: What cards can i get approved for?

Open up a 3k secured mastercard at cap1 to prove to creditors you can be trusted with high limits again.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: What cards can i get approved for?


jd5189 wrote:

Open up a 3k secured mastercard at cap1 to prove to creditors you can be trusted with high limits again.


I dont think its a question of "proving" for the OP, these weren't some small petty CO's these were 5 figure CO's they are unlikely to forget. The only way to get back in is to pay them off first then show responsible credit usage.

 




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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: What cards can i get approved for?


jsucool76 wrote:

gettnthere wrote:

LS2982 wrote:

gettnthere wrote:

llecs wrote:

nicholasc77 wrote:

jsucool76 wrote:

When was your BK? 


Oct 2005

 


OP, don't rush into this. In the thread below, you filed for BK in June and it was just discharged 3 weeks or so ago. There's no rush. Focus on rebuilding too. You already have a great mix of credit. Use one of your CapOne CCs for Christmas. If not that, then get a secured CC with a guaranteed limit.

 

http://ficoforums.myfico.com/t5/Auto-Loans/In-need-of-a-car-loan-NOW/m-p/1560162

 


after reading that^^^^ post, all i can say is..wow.........


Yea thats how I feel too. That is a insane amount of debt, and being in that situation if it was me I would want nothing to do with CC's.

 


I absolutely agree!

OP__ did you file for bk in 2005 and then again just a few months ago? (as stated in your 2 previous threads you list 2 totally diff dates for your bk)


Yeah I just asked about that in one of OPs other threads, I can't keep up with which one is which anymore. 


Yes i filed bk9 in oct 2005 and bk7 june 2012 and the debt was roughly 4 million and i am just trying to re build credit 

 

Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: What cards can i get approved for?


nicholasc77 wrote:

jsucool76 wrote:

gettnthere wrote:

LS2982 wrote:

gettnthere wrote:

llecs wrote:

nicholasc77 wrote:

jsucool76 wrote:

When was your BK? 


Oct 2005

 


OP, don't rush into this. In the thread below, you filed for BK in June and it was just discharged 3 weeks or so ago. There's no rush. Focus on rebuilding too. You already have a great mix of credit. Use one of your CapOne CCs for Christmas. If not that, then get a secured CC with a guaranteed limit.

 

http://ficoforums.myfico.com/t5/Auto-Loans/In-need-of-a-car-loan-NOW/m-p/1560162

 


after reading that^^^^ post, all i can say is..wow.........


Yea thats how I feel too. That is a insane amount of debt, and being in that situation if it was me I would want nothing to do with CC's.

 


I absolutely agree!

OP__ did you file for bk in 2005 and then again just a few months ago? (as stated in your 2 previous threads you list 2 totally diff dates for your bk)


Yeah I just asked about that in one of OPs other threads, I can't keep up with which one is which anymore. 


Yes i filed bk9 in oct 2005 and bk7 june 2012 and the debt was roughly 4 million and i am just trying to re build credit 

 


Amex 23,658.14

Amex 9,568.65

Bank of America 17,896.19 

Bloomingdales/DSNB 11,263.85 Wife 

Bloomingdales/DSNB 14,596.45 Me

Capital One 10,563.04

Capital One 5,496.87

Chase 31,569.12

Chase 12,368.67

Chase 24,165.32

Citi Cards 16,584.96 

THD/CBNA 27,895.23

Discover 3,596.42

GECRB/ Lord & Taylor 6,598.73

GECRB/ P.C. Richards & Son 9,785.61

GECRB/Lowes 12,695.74

HSBC/ Saks Fifth Avenue 18,456.28

HSBC/ Neiman Marcus 13,596.24

TD Bank - Touraneu Watch 9,854.19

Tiffany & Co 35,698.74 

Nordstrom FSB 7,459.86

Wells Fargo - Breast Implants 11,859.63

 

Car Loans/ Leases

2011 Mercedes-Benz E550 4MATIC Sedan - Leased : Surrended 

2011 Cadillac Escalade SUV Luxury AWD - Financed : Surrended Balance: $51,263.91

2012 Mercedes Benz C250 Coupe - Leased: Retained (Daughters Car)

 

These were all the debts included in the bk they all report IIB 

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: What cards can i get approved for?

What about the masarati 2008 that you claimed to have surrendered in the BK forum? I don't see that listed....

*popcorn

Starting Score: 08/29/2011 TU 671 EQ 674
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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: What cards can i get approved for?

The maserati was surrened before i even filed bankruptcy and now the trustee is seeing the lease was returned to the lender and that claim is settled with my attorney 


webhopper wrote:
What about the masarati 2008 that you claimed to have surrendered in the BK forum? I don't see that listed....

*popcorn

 

Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: What cards can i get approved for?

the concelment of the others assets was a mistake by my attorney and he is trying to amend the files and settle this with the trustee before a court date comes 


nicholasc77 wrote:

The maserati was surrened before i even filed bankruptcy and now the trustee is seeing the lease was returned to the lender and that claim is settled with my attorney 


webhopper wrote:
What about the masarati 2008 that you claimed to have surrendered in the BK forum? I don't see that listed....

*popcorn

 


 

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: What cards can i get approved for?

I really hope everything works out for you. Unfortunately it may take a while to recover your credit. It will get there.

Good luck!

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
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Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012
0

Re: What cards can i get approved for?

thank you for your help 


webhopper wrote:
I really hope everything works out for you. Unfortunately it may take a while to recover your credit. It will get there.

Good luck!

 


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