What Credit Cards can you get after Post Chapter 13 BK Discharge

[pc01user]

Hello and welcome to the forums.

I've moved this to the Rebuilding board. I think you'll get a better response there

MarineVietVet, myFICO moderator

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My Chapter 13 BK has been discharged five years but even when I am prequalified

for an offer I still get denied and I don't want to keep piling up the HPs. Is there any

cards to qualify for except secured and those that have costly fees?

[pizza1]

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@pc01user wrote:

My Chapter 13 BK has been discharged five years but even when I am prequalified

for an offer I still get denied and I don't want to keep piling up the HPs. Is there any

cards to qualify for except secured and those that have costly fees?

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We are going to need a bit more info here  in order to help you out!

Current fico scores?

any baddies showing at all and how old?

BK still showing on reports?

[pc01user]

My current Fico Scores EQ 632 TU 641 EX 641

No IIB's and just Chapter 13 BK d/c 5/20/10

[pizza1]

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@pc01user wrote:

My current Fico Scores EQ 632 TU 641 EX 641

No IIB's and just Chapter 13 BK d/c 5/20/10

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Do you have any CC's, installment loans, anything positive showing?

If CC, how many, who is it, and how old.

Believe me, in order to really help you, we have to get specific, and particular. We kinda have to know the credit scoop here.. 

[pizza1]

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@pizza1 wrote:

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@pc01user wrote:

My current Fico Scores EQ 632 TU 641 EX 641

No IIB's and just Chapter 13 BK d/c 5/20/10

---

Do you have any CC's, installment loans, anything positive showing?

If CC, how many, who is it, and how old.

Believe me, in order to really help you, we have to get specific, and particular. We kinda have to know the credit scoop here.. 

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oh also if you have CC, throw in your overall util on each card

[pizza1]

oh sorry I can't get all my questions in one answer..also..how many inquiries you have on each CRA, and how old.

Trust me...once we know these basics, we can go from there...

[padme]

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@pc01user wrote:

My Chapter 13 BK has been discharged five years but even when I am prequalified

for an offer I still get denied and I don't want to keep piling up the HPs. Is there any

cards to qualify for except secured and those that have costly fees?

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gonna have to pay to play anyhow.. you need 3x lines running asap... once you get those going, you be able to access the AF free lines maybe.. there is a guide in stickies, can always follow pizza's threads also...

[Anonymous]

To get better answers to your question, check out the Bankruptcy/Post Bankruptcy sub forum on here.  It has a wealth of information...

[pc01user]

Thanks Yes Its Me. I should have looked at that first.

[Anonymous]

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@pc01user wrote:

Thanks Yes Its Me. I should have looked at that first.

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You are welcome!!!  You be surpirsed at the information there...   Very good stuff.