topic Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge in Credit Card Approvals

Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

Mike1014805 — Fri, 12 Jul 2024 16:52:13 GMT

I was recently discharged on 5/29 from Chapter 7 Bankruptcy. In the last 5 months, from date of filing (2/23/24) Chapter 7 to Current (7/12/24) my credit scores have gone up the following:

Transunion: 524 to 682
Equifax: 502 to 695
Experian: 489 to 707

In the last 12 weeks (before and after discharge) I've been approved for the following cards:

Mission Lane Visa - $1,000 Limit on 4/12/24 (No AF)
Merrick Bank Double Your Line Mastercard - $1,000 Limit on 6/9/24 (No AF)
Ally Bank Every Day Cashback Mastercard - $1,000 Limit on 7/12/24 (Pre-Approved through Experian - No AF & 0% for 12 Months)

My goal cards to get in the next 6 months are the following:

CapitalOne SavorOne Master Card
PenFed Power Cash Rewards OR PenFed Pathfinder Rewards

Once I have my goal cards, I plan to garden for 2 years to let my credit heal itself for a while. I only declared bankruptcy because I ended up with over $220,000 in medical debt. I unfortunately burned all of the major banks with my Chapter 7. But I'm hoping to rebuild quickly. I'm posting this here and in the Bankruptcy section to let others know they're not alone, and rebuilding is possible. Even from a 498 credit score to a 707 credit score. It just takes time, patience and (hopefully) not applying for any predatory banks like Creditone.

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

cashorcharge — Fri, 12 Jul 2024 18:08:59 GMT

That’s Terrific!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

keekers — Fri, 12 Jul 2024 19:24:59 GMT

Congrats.

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

britt585 — Fri, 12 Jul 2024 20:34:57 GMT

congrats.

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

MissLiz — Sat, 13 Jul 2024 00:09:18 GMT

Congratulations on all your approvals!

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

Snook_on_the_Line — Sat, 13 Jul 2024 01:05:18 GMT

Congrats. 🎉🍾🎈

stick to the plan and watch your scores keep on growing.

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

FicoMike0 — Sat, 13 Jul 2024 01:07:23 GMT

Congratulations!

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

nytokyobred79 — Sat, 13 Jul 2024 08:13:56 GMT

Congrats on your rebuild. That's great.

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

coreyb80 — Sat, 13 Jul 2024 16:09:34 GMT

Congrats on the approvals!

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

NoMoreDebt — Sat, 13 Jul 2024 21:50:01 GMT

congrats

Re: Ally Bank | Merrick Bank | Mission Lane Approvals - Post Chapter 7 Discharge

CreditAggie — Thu, 08 Aug 2024 00:21:25 GMT

Congratulations on your approvals! It's awesome that you got the no-AF cards!