Yo-Yo EQ scores post-BK, opportunity to app when it's high score?????

[Anonymous]

My Equifax scores keeps doing it's extreme roller coaster scores:

SEP 28 - 618

OCT 16 - 733

OCT 29 - 739

OCT 30 - 624

NOV 15 - 753

NOV 16 - 638

NOV 27 - 718

NOV 30 - 638

DEC 05 - 639

DEC 09 - 729

I know I app'ed Discover IT card on November 15th while my score was 753 which was approved. (5 months post discharge)

Now it is 729, I need one more card before I fully garden. Which are the easiest cards that could be approved while having BK in my CR *AND* the only creditor that PULLS ONLY EQ!!!! ?

Thanks! :-)

[Scupra]

What cards do you have now?

[Anonymous]

---

@Scupra wrote:
What cards do you have now?

---

Scupra,

Merrick Visa ($72 AF)

Barclay Rewards MC

Discover IT

I can't app for any CapOne cards for a year since I burned them in my BK

[Scupra]

I would just garden until you can app for Cap1. Just my opinion though

[Anonymous]

I would but I'm concerned about Merrick's AF that they may not waive at all forcing me to close it, thus getting one more for the purpose to get mortgage in summer of 2017. Thoughts?

---

@Scupra wrote:
I would just garden until you can app for Cap1. Just my opinion though

---

[Scupra]

Are you a member of a credit union at all?

[Anonymous]

I agree with the Credit Union approach. I would also check the prequal site for Cap1. It might surprise you and get you an additional card that way. You could also use the SCT to get a store card to have a 3 revolver. If you do that I would try Overstock as they have given the largest SL for me. Either that or the Sportsman Guide. I got a Visa from them through the SCT with just a soft pull.

Good luck to you!

[willwar14]

+1 See is cap one has you pre-qualed for the QS1 or just the basic card.

[Anonymous]

---

@Scupra wrote:

Are you a member of a credit union at all?

---

Yes, Scupra...I just joined local CU (Safe CU) last week. For unsecured, they require a minimum 660 FICO while for secured, they require a minimum 560 FICO with deposit, of course. Honestly, I am trying to avoid secured cards as much as possible unless it is ABSOLULTY last choice :-)

[Anonymous]

---

@Anonymous wrote:

I agree with the Credit Union approach. I would also check the prequal site for Cap1. It might surprise you and get you an additional card that way. You could also use the SCT to get a store card to have a 3 revolver. If you do that I would try Overstock as they have given the largest SL for me. Either that or the Sportsman Guide. I got a Visa from them through the SCT with just a soft pull.

Good luck to you!

---

Cruznmore,

I tried pre-qual on CapOne, still giving me we found no card for you but we think you may like.... I burned CapOne for $300 in my BK7 and they blacklisted me probably for a year (I apped in August, they denied it without hard pull). :-( My finacee has (recently PC) Quicksliver with AF.

P.S. They blacklist for a year, correct? if so, from what date? Filing or discharge?

I'll try to respond as I'm about to hit the road outta town till Sunday evening. Have a GREAT weekend y'all! I'm gonna miss you all! LOL!!!