New Contributor
Posts: 71
Registered: ‎10-23-2012
Re: Any experience in my shoes?

I've been there and done that. I applied at Barclay and Cap 1 prior to my discharge and basically wasted 2 hard inquiries. Neither will accept your application before. Now I did have 30 days to request a recon but it took 42 days before PACER displayed my discharge. I did apply at Cap 1 ten days later. I was approved for the platinumweigh a $1000 limit. My score before the app I'm unsure but following I was at 605.

Starting Score: EQ: 605 (10/21/2012) Trans/Walmart: 641(10/26/2012)
Current Score: EQ: 678 (4/9/13) Trans/Walmart: 693 (5/13/13) EX: 648 (4/10/13) Lender pull