Reply
Contributor
missji
Posts: 93
Registered: ‎08-21-2011

Re: What cards cc are bk friendly?

+1 Instantly approved for Discover More with a 1.5 year old BK on report

NEW GARDEN CLUB MEMBER as of 3/23/2013. No activity until 8/2015 unless it's an auto CLI.
Starting Score:
626
Current Score (as of 3/19/2013): 663
Goal Score: 750.
Take the myFICO Fitness Challenge
Regular Contributor
Balbanes
Posts: 143
Registered: ‎06-05-2008

Re: What cards cc are bk friendly?

[ Edited ]

Besides internal OC blacklists, the only major national credit grantor that I've heard is completely adverse on BK is Amex and even then I've read that their oasis progam has even helped out those past amex customers..

Ex: 657 (fico lender pull)
Tu: 666 fico
Eq: 641 fico
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: What cards cc are bk friendly?


amercnchopz34 wrote:
Score are in siggy....iib getting ready to fall off in June 2012...should I wait to try and get a prime card?..would I even qualify for one?...bk 7 ...2 collection on TU and Eq..1 drops in June o,other in December....bk won't be off till 2015

I would definitely wait until it falls off. No need to waste INQ's for something you can wait 6 months to go away.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: What cards cc are bk friendly?

I would say based on the other user's responses here, You should maybe try to get a Discover card after the baddies fall off this year....  Discover is not a bad card to have, and they give good auto CLIs if you pay your bill on time and keep your balance low. In my experience, they didn't drop me after my judgement in 2007, so I'm very glad to have them, its my oldest account.   I've had a discover card since 1999


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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: What cards cc are bk friendly?


webhopper wrote:

I would say based on the other user's responses here, You should maybe try to get a Discover card after the baddies fall off this year....  Discover is not a bad card to have, and they give good auto CLIs if you pay your bill on time and keep your balance low. In my experience, they didn't drop me after my judgement in 2007, so I'm very glad to have them, its my oldest account.   I've had a discover card since 1999


I agree with this but only after the BK drops off in june. You'll probably get a low CL trying for it now if they even approve it all.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: What cards cc are bk friendly?


LS2982 wrote:

webhopper wrote:

I would say based on the other user's responses here, You should maybe try to get a Discover card after the baddies fall off this year....  Discover is not a bad card to have, and they give good auto CLIs if you pay your bill on time and keep your balance low. In my experience, they didn't drop me after my judgement in 2007, so I'm very glad to have them, its my oldest account.   I've had a discover card since 1999


I agree with this but only after the BK drops off in june. You'll probably get a low CL trying for it now if they even approve it all.



I think the OP stated that the BK would be off in 2015  and that some baddies would be off in June 2012.


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
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: What cards cc are bk friendly?


webhopper wrote:

LS2982 wrote:

webhopper wrote:

I would say based on the other user's responses here, You should maybe try to get a Discover card after the baddies fall off this year....  Discover is not a bad card to have, and they give good auto CLIs if you pay your bill on time and keep your balance low. In my experience, they didn't drop me after my judgement in 2007, so I'm very glad to have them, its my oldest account.   I've had a discover card since 1999


I agree with this but only after the BK drops off in june. You'll probably get a low CL trying for it now if they even approve it all.



I think the OP stated that the BK would be off in 2015  and that some baddies would be off in June 2012.


You are correct, misread the initial post! In that case OP, if you feel confident you'll get a decent CL wait until the baddies come off in june and give it a shot!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+