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Frequent Contributor
Posts: 340
Registered: ‎10-16-2011
0

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.

Frequent Contributor
Posts: 284
Registered: ‎07-29-2012
0

Re: Will discover aprove with BK?

[ Edited ]

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.
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

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
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Will discover aprove with BK?

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

Good luck!
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Frequent Contributor
Posts: 321
Registered: ‎08-13-2011
0

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: 700myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $20300, Capital One Platinum $15000, Barclays Rewards $5700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Bank of America Cash Rewards $500.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!
New Contributor
Posts: 74
Registered: ‎08-23-2010
0

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.

Frequent Contributor
Posts: 424
Registered: ‎01-14-2009
0

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***




Frequent Contributor
Posts: 340
Registered: ‎10-16-2011
0

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!

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

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
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

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

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