topic Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge? in Bankruptcy

Which Credit Card Companies Delete Tradelines After BK7 Discharge?

BrianKeith — Wed, 12 Feb 2025 18:04:34 GMT

Hi, all! I'm in the planning stages, and trying to figure out a few timing issues, but I'm mostly thinking ahead to rebuilding. I've never had a 30-days late in my life, and I will be reaffirming 2 loans, so I don't want to mess up my rebuilding head start with lates. I'm also just about out of money, and need to figure out the best timing so that I don't spend needlessly, and so that nothing looks preferential or planned. This is just one consideration...

Some credit card companies delete tradelines after discharge. For example, I have heard that this may be true for Synchrony. In your experiences, which tradelines (if any) have disappeared from your credit files after discharge? And how quickly did that happen? Also, how long ago did you file? (what was true 5 years ago isn't necessarily true now)

I am especially curious about Citibank, Barclays, Synchrony, Discover, Comenity, and CFNA, but there's a bunch of smaller ones too.

Thank you!

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

Horseshoez — Wed, 12 Feb 2025 18:20:26 GMT

While I'm not saying none do, I can honestly say I've never heard of one which does.

That said, trade line deletes or not, your rebuild will take the same amount of time regardless. Why? Because having a bankruptcy on your reports trumps all other derogatory marks; until the bankruptcy drops from your reports (10-years for Chapter-7, and 7-years for Chapter-13), your scores will be depressed.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

pizzadude — Wed, 12 Feb 2025 19:02:19 GMT

Agree with the above post. I think you're asking the wrong question, it sounds like you're trying to find out how to improve your score after filing BK.

The short answer is that you'll be taking a FICO score hit as described above because of the BK public record, but you can get a decent score bump afterwards through establishing revolving credit as soon as possible, i.e secured cards or creditors who'll easily approve w recent BK such as Cap1.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

sccredit — Wed, 12 Feb 2025 18:49:39 GMT

I didn't have a Sync card when I filed so I can't speak to them. I had no one delete any tradelines upon filing or discharge.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

Horseshoez — Mon, 17 Feb 2025 12:18:14 GMT

Somehow I get the impression we're not going to be hearing from @BrianKeith again.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

pizzadude — Mon, 17 Feb 2025 16:54:35 GMT

Probably not. But sometimes rage posters do pop back up to complain and whinge, so who knows ?

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

Patient957 — Mon, 17 Feb 2025 17:14:37 GMT

@Horseshoez wrote:
Somehow I get the impression we're not going to be hearing from @BrianKeith again.

Bummer.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

pip3man — Sat, 01 Mar 2025 20:17:41 GMT

@BrianKeith OP is actually right. Sharing from my personal experience, SYNCB DOES IN FACT delete all tradelines after bankruptcy discharge. My Amazon Store Card, Lowes, Care Credit, BP Rewards Visa, Sony Store Card were included in my 2020 BK7 and the tradelines were automatically removed from all bureaus after discharge. Similarly, Elan Financial Services deleted the tradeline for the Fidelity Rewards Visa card. Mercedes Benz Financial also did the same for my auto loan tradeline IIB that was not reaffirmed. Citibank also deleted the tradeline for my Citi Prestige card but somehow left the Citi Double Cash Card on my report. Now I'd say though, the Citi Prestige account was sold to Calvary Portfolio prior to filing BK but both Citi & Calvary deleted the account after discharge. The Citi DC was in good standing and never late so probably why they still kept it on my report.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

pip3man — Sun, 02 Mar 2025 17:56:58 GMT

In addition to the previous creditors I listed, Citi BestBuy also deleted my BestBuy store card tradeline after discharge.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

2b2rich — Sat, 26 Apr 2025 16:34:36 GMT

@pip3man wrote:
@BrianKeith OP is actually right. Sharing from my personal experience, SYNCB DOES IN FACT delete all tradelines after bankruptcy discharge. My Amazon Store Card, Lowes, Care Credit, BP Rewards Visa, Sony Store Card were included in my 2020 BK7 and the tradelines were automatically removed from all bureaus after discharge. Similarly, Elan Financial Services deleted the tradeline for the Fidelity Rewards Visa card. Mercedes Benz Financial also did the same for my auto loan tradeline IIB that was not reaffirmed. Citibank also deleted the tradeline for my Citi Prestige card but somehow left the Citi Double Cash Card on my report. Now I'd say though, the Citi Prestige account was sold to Calvary Portfolio prior to filing BK but both Citi & Calvary deleted the account after discharge. The Citi DC was in good standing and never late so probably why they still kept it on my report.

That's interesting, Synch didn't delete mine (this October will be 6 years post filing). I will add that they have given me 4 cards including 2 of the same I burned them in Bk7 with nice SLs). Good for you, emmv I guess.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

pip3man — Mon, 28 Apr 2025 20:52:43 GMT

@2b2rich that's very interesting because SYNCB will not approve me for any of their cards I had previously. I've tried a million times to acquire the Amazon & Lowes card again but I've been getting denied for the past 5yrs and they're always citing "unsatisfactory prior relationship with us." Now check this out - they've approved me for the Venmo and PayPal Mastercard but when I attempt for Amazon or Lowes, I get hit with that. It just doesn't make any sense whatsoever.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

2b2rich — Mon, 28 Apr 2025 21:25:25 GMT

@pip3man I will check my newest report and look again. It has actually been awhile since I have looked at any of my closed accounts, so they maybe gone, but they were there the first year post bk. I burned Lowe's for $9k and was given an auto $3k starting limit on the new one. Also burned the Amazon and was given an $2100 SL on the new one. I didn't have a are credit before but needed one and from reading these boards felt that I needed to over shoot the SL request so when it asked, Iput $10k and got an auto approval for it. They also gave me a Sam’s store card with a$1k SL and I use that one and Amazon a lot but try not to carry a balance.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

jmcmillan — Fri, 02 May 2025 14:36:22 GMT

For me, it was Citi and Navy Federal.

Re: Which Credit Card Companies Delete Tradelines After BK7 Discharge?

angelofmusic86 — Wed, 14 May 2025 03:23:33 GMT

@pip3man wrote:
@2b2rich that's very interesting because SYNCB will not approve me for any of their cards I had previously. I've tried a million times to acquire the Amazon & Lowes card again but I've been getting denied for the past 5yrs and they're always citing "unsatisfactory prior relationship with us." Now check this out - they've approved me for the Venmo and PayPal Mastercard but when I attempt for Amazon or Lowes, I get hit with that. It just doesn't make any sense whatsoever.

Haha, PayPal is the one that SYNCB just REFUSES to let me back in with to this day. Amazon back with a much bigger limit, CareCredit again, TJMaxx MC, Verizon Visa, a furniture company, but apparentlly PayPal anything is a giant NO. I want to know if they just throw a dart to pick ones they'll let us back in with.