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Will discover aprove with BK?

Frequent Contributor

Will discover aprove with BK?

My dad wants to apply for a Discover it. He filled BK  in 2005. He has since restored his credit and his fico scores are all in the 730 range. He did not file bk against a discover card. Only neg on his report is the BK which is now 8 years old. He wants to use the 0% ballance transfer that they offer if aproved. If no any other cards out their that offer low balance transfer thats BK friendly? Thanks for any advise given.

Message 1 of 13
12 REPLIES
Frequent Contributor

Re: Will discover aprove with BK?

Just got approved after getting million pre approval from IT.

My BK is about 9 years old and never had Discover before.

 

$3500 limit to start and did BT for full $3500 for 12 months.

I'm also AU on DW Discover witch is 3 years old.

 

I think you got very got shot go for it.

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 2 of 13
Valued Contributor

Re: Will discover aprove with BK?

I was approved for a Discover It with a 9.5 year old BK 7 on my reports. Limit $1000. Credit Score pulled by Discover 675 EQ.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 3 of 13
Moderator Emerita

Re: Will discover aprove with BK?

Your dad should be fine if he's e established since the bk

Good luck!
Message 4 of 13
Highlighted
Frequent Contributor

Re: Will discover aprove with BK?

Your Dad should be fine. I was approved 2 years after BK7 for a $1000 limit Discover More card. 


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 5 of 13
Contributor

Re: Will discover aprove with BK?

Same here. BK Dec, 2005. Approved for Discover Feb 2013 the first time I applied. Approved instantly online. No previous relationship with Discover.

Message 6 of 13
Frequent Contributor

Re: Will discover aprove with BK?

They declined me twice @ 5 & 7 yrs. post BK, I have seen others declined for 9 y/o BKs.

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 7 of 13
Frequent Contributor

Re: Will discover aprove with BK?

Just applied online for him. He ogt the 5-7 days so he called and they asked about the BK and they then aproved him for $5000. Thanks for the help!

Message 8 of 13
Valued Contributor

Re: Will discover aprove with BK?

Wow! Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 9 of 13
Valued Contributor

Re: Will discover aprove with BK?

My bk is from 2007 and they approved me in December.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 10 of 13