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Success! Discover IT Approval after BK

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Anonymous
Not applicable

Success! Discover IT Approval after BK

Just posting this here because I've read some threads where people weren't sure if Discover would approve them after BK. I am just over 3 years post-discharge, did not burn Discover, and they approved me today for $18k credit line. I don't really need the line, and in fact had planned to garden, but they're offering that tasty 0% for a year, and I have some moving expenses I wouldn't mind having just a few extra months to pay.

 

If it helps anyone in deciding to app, I had been receiving IT pre-approvals for about 6 months before I applied, and my scores are just about 700, give or take 5-10 pts depending on the mood of FICO. Smiley Wink

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Success! Discover IT Approval after BK

Nice spending limit, congrats! This belongs in the Approval thread though!

Message 2 of 5
Anonymous
Not applicable

Re: Success! Discover IT Approval after BK

Congratulations! That will come in handy for your move. Smiley Happy
Message 3 of 5
raisemysc0re
Established Contributor

Re: Success! Discover IT Approval after BK

I was only about 4-5 months post discharge (Chapter 13) and had mid 600 scores when I was approved for a 6.5K IT card.

I got it for the 5% cashback quarterly program with end of year cashback matching...

 

I used their prequal site to get pre-approved and was hesitant until I noticed that they gave me a specific APR% and not a range.

Posts on the myfico forum said to stay away if you get the range.

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 10/24/23):

Current Fico9 Scores (Updated 10/24/23):


Message 4 of 5
surferchris
Valued Contributor

Re: Success! Discover IT Approval after BK

Congrats!

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Message 5 of 5
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