topic SchoolsFirst FCU 3 approvals 18 months post BK in Credit Card Approvals

SchoolsFirst FCU 3 approvals 18 months post BK

Caliboy97 — Sat, 21 May 2022 16:16:02 GMT

What's up guys! SchoolsFirst has treated me good since I have discharged in 2020. They started me out with a unsecure card one month post bankruptcy. 6 months later I got a 2K increase. Yesterdays, I decided to ask for a 4K credit limit increase, car loan refinance, and a 8k personal loan. All 3 were approved on one credit pull. For increases they do a hard pull but you have 60 days to use the credit pull for any of their products.

Re: SchoolsFirst FCU 3 approvals 18 months post BK

gdale6 — Sat, 21 May 2022 17:11:59 GMT

Sweet, grats on your CLI and other approvals on one pull!!!

Re: SchoolsFirst FCU 3 approvals 18 months post BK

CreditAggie — Sat, 21 May 2022 17:33:13 GMT

Congratulations on your SchoolsFirst FCU approvals!

Re: SchoolsFirst FCU 3 approvals 18 months post BK

House1204 — Sat, 21 May 2022 17:58:05 GMT

Congrats! What credit bureau does Schoolsfirst pull?

Re: SchoolsFirst FCU 3 approvals 18 months post BK

CreditMagic7 — Sat, 21 May 2022 18:02:51 GMT

Congratulations on all 3 of your SchoolsFirst FCU approvals!

Re: SchoolsFirst FCU 3 approvals 18 months post BK

Elpadrino1 — Sat, 21 May 2022 18:08:40 GMT

Congratulations on your approval!!

Re: SchoolsFirst FCU 3 approvals 18 months post BK

KingRue8500 — Sat, 21 May 2022 20:34:17 GMT

Congrats on your SchoolsFirst FCU approvals

Re: SchoolsFirst FCU 3 approvals 18 months post BK

Caliboy97 — Sat, 21 May 2022 20:40:54 GMT

They pulled from Experian for me.

Re: SchoolsFirst FCU 3 approvals 18 months post BK

cashorcharge — Sat, 21 May 2022 20:55:48 GMT

That's terrific!! Congratulations on all three of your Approvals!! 🎉🥂👏

Re: SchoolsFirst FCU 3 approvals 18 months post BK

IamWesty12 — Sat, 21 May 2022 23:39:07 GMT

@Caliboy97 congrats, so excited for you. Keep up the great work!

Re: SchoolsFirst FCU 3 approvals 18 months post BK

SUPERSQUID — Sun, 22 May 2022 00:00:32 GMT

CONGRATS!!!!!

Is that a bk7 or a bk13?

Re: SchoolsFirst FCU 3 approvals 18 months post BK

babygirl1256 — Sun, 22 May 2022 17:14:16 GMT

Congrats on your SchoolsFirst FCU triple approval.

Re: SchoolsFirst FCU 3 approvals 18 months post BK

CYBERSAM — Tue, 24 May 2022 03:25:05 GMT

Congrats on your approval!🤑👍

Re: SchoolsFirst FCU 3 approvals 18 months post BK

Caliboy97 — Sat, 28 May 2022 02:29:12 GMT

It is a chapter 7 BK

Re: SchoolsFirst FCU 3 approvals 18 months post BK

everest — Sun, 29 May 2022 20:39:49 GMT

Congrats on your SchoolsFirst approval! 🎉

Re: SchoolsFirst FCU 3 approvals 18 months post BK

fm92555 — Mon, 30 May 2022 03:44:52 GMT

@Caliboy97 wrote:
What's up guys! SchoolsFirst has treated me good since I have discharged in 2020. They started me out with a unsecure card one month post bankruptcy. 6 months later I got a 2K increase. Yesterdays, I decided to ask for a 4K credit limit increase, car loan refinance, and a 8k personal loan. All 3 were approved on one credit pull. For increases they do a hard pull but you have 60 days to use the credit pull for any of their products.

Congratulations! They are a solid credit union. Over time you can build those limits.

Re: SchoolsFirst FCU 3 approvals 18 months post BK

Rdbeetle — Mon, 30 May 2022 07:14:21 GMT

Congrats on your approvals! I'm a Schools First FCU member also, and so far they have been really great with me too.

Re: SchoolsFirst FCU 3 approvals 18 months post BK

NalekSok — Mon, 30 May 2022 11:12:18 GMT

Good job! Congratulations on your CLI and approvals!

Re: SchoolsFirst FCU 3 approvals 18 months post BK

CornChipPaws — Mon, 30 May 2022 14:55:25 GMT

Did you burn schools first in your bk?

I'm primarily doing chapter 7 because a family member added me on to their credit card application as a joint but told me they just added me on as an authorized user. So now $20,000 in the hole. Schools first flat out said they won't sue me for it but I can't wait 7 years looking like I have 110% usage on a card like that. From my understanding if they've been burned they won't let you open any other accounts (they closed my other cards that were in perfect standing).
ty

Re: SchoolsFirst FCU 3 approvals 18 months post BK

Antredd — Sun, 12 Jun 2022 20:05:09 GMT

@Caliboy97 wrote:
What's up guys! SchoolsFirst has treated me good since I have discharged in 2020. They started me out with a unsecure card one month post bankruptcy. 6 months later I got a 2K increase. Yesterdays, I decided to ask for a 4K credit limit increase, car loan refinance, and a 8k personal loan. All 3 were approved on one credit pull. For increases they do a hard pull but you have 60 days to use the credit pull for any of their products.

Congratulations. I do my primary banking with SchoolsFirst, and have been a member since 2011. My check is direct deposited into my checking account. However, they weren't as nice to me when I have applied for credit after my BK in 2012. At the time, I didn't have one of their credit cards, nor did I ever bounced a check with them. Thinking that I never bounced a check, never burned a credit card with them, and having a high income salary would benefit me.

I didn't do what you did either by getting a secured card with them to establish my credit with them. What a smart move you did.

I was approved for overdraft protection thinking that would be a way to get approved for one of their credit cards. Even when I applied for credit after getting approved for their overdraft, they still declined me, even though I, at the time was earning $90k.

I would sometimes transfer my 1000 limit over to my checking account just to pay it off in full before the due date. I finally got the nerve to apply for their mastercard last year, and was finally approved for $1K credit limit, even though my other credit union credit card had a $12k credit limit.

About a month ago, I asked for a CLI and they finally gave me $5K CL after my BK aged off and requesting a hard pull.