Established Member
Posts: 25
Registered: ‎04-07-2009
Capitol One - Excellent Credit?

My BK should be dropping of shortly, filed 9/02. I looked on Cap 1 website for a rewards card, and their definition of "excellent credit" was "never" filed bankruptcy, as well as as a few other items. Would they still be able to see that you filed even after it is off your credit report? I thought after it drops off, I will have no public records. So, I can't answer "never", but it shouldn't show up anymore either. I don't want unnecessary inquiries to apply and be denied. Anyone apply for a card after BK is off your report?