Shae 123: I have a BK-13 filed 04, discharged early 08, should drop from reports next summer. Several lates in 06. Perfect history for about 4 years. Good luck to you if you apply!
Cardmaster: WOW. Way to go!
on EQ, just a 60 day late from 5+ years ago on a student loan. Otherwise a clean report. I pulled my fico before I app'd so it's a fresh score. I did not get the 3-5 day message when i joined, it approved me online. But from what others have said on here it sounds like the 3-5 day message is sometimes triggered by answering the fraud questions wrong.
I did not get a CC preapproval when going thru the member join screens. So I had to call in for that, and had to do a whole new app. So, it wound up being 2 inq's on EQ (one for membership, the other for CC). For a $15K CC, I was OK with that!! I live in TU land, so nobody pulls EQ around here anyways. So only have a couple inq's on EQ....no big deal.
Strange thing though, my FICO from this site and the score he quoted me were substantially different. He said i was between 680 and 720 or something. I think I read somewhere that they use a different FICO scoring model though.