Re: what doors will open 5 years out of bk?
04-24-2012 03:33 PM
I did apply for a loan through Household Bank 9 months after bankruptcy and they denied me due to bankruptcy. However after 5 years I would think that would
be less a deciding factor but I checked with the bank I have my checking and savings account with and they told me it would not be approved until the bankruptcy came off'my credit reports. I checked with a couple others and they told me the same.
I don't have any lates on my credit report and my utilization is 30% on the cards I have now...they said that 30% was good and they would not deny me for that reason but just because of the bankruptcy.
I currently have 2 capital one cards..one at $2000 and one at $1250 ..Hooters card at $1250..3 HSBC cards at $300 each..can't get them to budge..Target at $300..can't get them to budge either..And Kays/Jareds cards..total $3000....
I applied for Bank of America , Barclays, Lowe's, Home Depot, Ellan Financial(visa card offered through my bank) and Bill me Later and all declined due to bankruptcy
So as you can see I am getting a little frustrated... I don't even want to apply for a car loan because I am sure that is a no too...
Any insite on where else to look?
I appreciate it guys!