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Frequent Contributor
Juss11
Posts: 298
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.

Regular Contributor
DeadSpider
Posts: 244
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.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


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Valued Contributor
MovingForward_2012
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Moderator
09Lexie
Posts: 25,350
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!
Regular Contributor
somotao
Posts: 229
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: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
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New Contributor
martinkk
Posts: 67
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
pazuzu
Posts: 365
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***
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Frequent Contributor
Juss11
Posts: 298
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
MovingForward_2012
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Rhaeny
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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