topic Re: Is Barclay, Discover or Chase in Bankruptcy

Is Barclay, Discover or Chase

Drsgwld — Sat, 12 Jul 2014 19:28:58 GMT

Is barclay, discover, GE cap, or Chase Bankruptcy friendly on 2008 ch7? Never burned any of them. The BK was on my Ex husbands business.

My FICO is 647 and my usage is less than 5%

Re: Is Barclay, Discover or Chase

Scupra — Sat, 12 Jul 2014 19:48:27 GMT

@Drsgwld wrote:
Is barclay, discover, GE cap, or Chase Bankruptcy friendly on 2008 ch7? Never burned any of them. The BK was on my Ex husbands business.

My FICO is 647 and my usage is less than 5%

The only touchy one would be Chase.

Re: Is Barclay, Discover or Chase

Drsgwld — Sat, 12 Jul 2014 19:56:00 GMT

Thank YOU! I keep getting these suggested via Equifax, TransU and MyFICO, but wanted to ask 1st! AmEX slapped me in the face with a NO "You have a BK, Ya Fool!!!"

Re: Is Barclay, Discover or Chase

0REDSOX7 — Sat, 12 Jul 2014 23:14:25 GMT

Barclays gaver 1750 five months post discharge so you should be good...assuming you cleaned up your reports.

Re: Is Barclay, Discover or Chase

Scupra — Sun, 13 Jul 2014 03:11:42 GMT

1 year 4 months Barclay gave me $3k Just a data point since you are farther out than Red.

Re: Is Barclay, Discover or Chase

Drsgwld — Sun, 13 Jul 2014 03:59:37 GMT

It looks like barclay denied me. Maybe because I had 2 inquiries?

Re: Is Barclay, Discover or Chase

simi_go — Sun, 13 Jul 2014 05:34:06 GMT

@Drsgwld wrote:
It looks like barclay denied me. Maybe because I had 2 inquiries?

They are pretty recon friendly. Give them a call. Use the back door number in that thread.

Re: Is Barclay, Discover or Chase

Drsgwld — Sun, 13 Jul 2014 05:39:01 GMT

What does recon stand for?

Re: Is Barclay, Discover or Chase

Anonymous — Sun, 13 Jul 2014 06:42:58 GMT

Reconsideration. Search for Recon numbers. A good way to get a recon with Barclay's is to message them on Facebook. Many have been successful that way.

Re: Is Barclay, Discover or Chase

TRC_WA — Sun, 13 Jul 2014 16:51:56 GMT

@Anonymous wrote:
Reconsideration. Search for Recon numbers. A good way to get a recon with Barclay's is to message them on Facebook. Many have been successful that way.

Are you talking about Barclays or Cap One? I've done the recon with CapOne via Facebook message but I haven't found anything on Facebook for Barclays other than Barclays UK.

Re: Is Barclay, Discover or Chase

Anonymous — Sun, 13 Jul 2014 17:14:39 GMT

Barclaycard US does it. Talked to them myself.

Re: Is Barclay, Discover or Chase

Drsgwld — Sun, 13 Jul 2014 17:16:22 GMT

I haven't been 'Officially' denied yet, but it certainly did not approve me in 60 seconds or less. From the blog responses I have heard, this isn't a good sign!

Re: Is Barclay, Discover or Chase

TRC_WA — Mon, 14 Jul 2014 04:13:13 GMT

@Anonymous wrote:
Barclaycard US does it. Talked to them myself.

Yeah just found it. Barclaycard US isn't what I was searching for the first time... I was just doing a search for Barclays because I was thinking Barclays Bank.

Re: Is Barclay, Discover or Chase

Drsgwld — Mon, 14 Jul 2014 14:17:13 GMT

I spoke to Barclay and believe it or not the reason I was denied is because my Credit File is too lean according to their credit dept. He said to wait a few months and call back. I have not heard Barclay denying over this reason.

Re: Is Barclay, Discover or Chase

Scupra — Mon, 14 Jul 2014 22:58:58 GMT

@Drsgwld wrote:
I spoke to Barclay and believe it or not the reason I was denied is because my Credit File is too lean according to their credit dept. He said to wait a few months and call back. I have not heard Barclay denying over this reason.

Pretty common actually. Good luck, they are great once you get in.

edit: I guess a better question would be, what have you done to rebuild so far?

Re: Is Barclay, Discover or Chase

Drsgwld — Mon, 14 Jul 2014 23:05:50 GMT

I have a student loan 2011- good standing
DTE: 4 yrs- good standing
5th 3rd MC @24 $500 CL: 0 balance for current statement-Good Standing
Recently opened Cap1QS: $1000 CL haven't used it yet.

Re: Is Barclay, Discover or Chase

Drsgwld — Mon, 14 Jul 2014 23:06:15 GMT

FICO 647

Re: Is Barclay, Discover or Chase

somotao — Tue, 15 Jul 2014 06:34:45 GMT

@Drsgwld wrote:
FICO 647

Barclays does like to see some activity from another card. I would try back in Six months and you should be good to go. With regards to Chase. There are those who seem to get approved 4 years post BK.

Re: Is Barclay, Discover or Chase

Scupra — Tue, 15 Jul 2014 22:51:16 GMT

@somotao wrote:
@Drsgwld wrote:
FICO 647
Barclays does like to see some activity from another card. I would try back in Six months and you should be good to go. With regards to Chase. There are those who seem to get approved 4 years post BK.

After they have done 4 years of rebuilding. I wouldn't try Chase yet, just my opinion though.

Re: Is Barclay, Discover or Chase

arholden — Thu, 17 Jul 2014 22:33:50 GMT

@Drsgwld wrote:
I spoke to Barclay and believe it or not the reason I was denied is because my Credit File is too lean according to their credit dept. He said to wait a few months and call back. I have not heard Barclay denying over this reason.

Yeah, I got my denial letter from Barclays today and they said it was due to 'insufficient number of credit cards on your credit report'.

Much different from being denied for having too many delinquent accounts on your credit history!