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What cards can i get approved for?

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jsucool76
Super Contributor

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. 

Message 21 of 41
Anonymous
Not applicable

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.

Message 22 of 41
LS2982
Mega Contributor

Re: What cards can i get approved for?


@Anonymous 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.

 




EQ FICO 548 3/3/16
Message 23 of 41
nicholasc77
Valued Member

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 

 

Message 24 of 41
nicholasc77
Valued Member

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 

Message 25 of 41
webhopper
Moderator Emeritus

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
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 26 of 41
nicholasc77
Valued Member

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

 

Message 27 of 41
nicholasc77
Valued Member

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

 


 

Message 28 of 41
webhopper
Moderator Emeritus

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!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 29 of 41
nicholasc77
Valued Member

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!

 

Message 30 of 41
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