topic Re: FNBO Bk Friendly ? in Credit Cards

FNBO Bk Friendly ?

Andy77 — Mon, 27 Jun 2016 19:31:43 GMT

Is FNBO bk friendly ?

I wanted to apply for this card

http://viewfromthewing.boardingarea.com/2016/06/08/brand-new-mgm-m-life-rewards-mastercard-launches-today-instant-elite-status/

My scores are around 715-719

bk discharged sept 2009

15 % utilization across board

one card maxed at 21k limit 23k

Rest of my 15 cards 0.00 bal (75k available across board)

About 12 inq, 3 for 2016

Do you think my chances are good ?

Re: FNBO Bk Friendly ?

ojefferyo — Mon, 27 Jun 2016 22:05:40 GMT

No they are sesitive to everything

Re: FNBO Bk Friendly ?

gdale6 — Mon, 27 Jun 2016 23:01:59 GMT

They are BK friendly, got my first card with them pre approved offer with BK7 showing, was 7 years post. I think you have too many inquiries though they dont like a lot of them and will pull ARS/IDA.

Re: FNBO Bk Friendly ?

Andy77 — Tue, 28 Jun 2016 14:22:54 GMT

Thanks for the replies....

When I called the FNBO backdoor number the analyst told me that for inquiries she asked me how many I had in six months and excluding my car lease inq, I have 3, she said that was ok.

What does ARS/IDA mean ?

Thank you

Re: FNBO Bk Friendly ?

gdale6 — Tue, 28 Jun 2016 15:42:50 GMT

ARS & IDA are outlying credit bureaus. I think ARS may now be Sagestream

Re: FNBO Bk Friendly ?

Andy77 — Tue, 28 Jun 2016 16:48:22 GMT

Oh ok....the analyst told me yesterday they primarily pull EX

Re: FNBO Bk Friendly ?

gdale6 — Tue, 28 Jun 2016 16:55:34 GMT

@Andy77 wrote:

Oh ok....the analyst told me yesterday they primarily pull EX

Yes they pull EX and they have pulled EQ on me. As far as ARS & IDA I would freeze these 2 before you app with FNBO these 2 track ALL inquiries not just the ones on a particular report, they are going to pull them.

Adding: To those who might think that recommending a freeze on these 2 CRAs is taboo, its not, the prohibition of advocating a freeze to a CRA only applies to CRAs that generate Fico scores.

Re: FNBO Bk Friendly ?

Dalmus — Thu, 30 Jun 2016 20:12:21 GMT

@Andy77 wrote:

Is FNBO bk friendly ?

I wanted to apply for this card

http://viewfromthewing.boardingarea.com/2016/06/08/brand-new-mgm-m-life-rewards-mastercard-launches-today-instant-elite-status/

My scores are around 715-719
bk discharged sept 2009

15 % utilization across board

one card maxed at 21k limit 23k

Rest of my 15 cards 0.00 bal (75k available across board)

About 12 inq, 3 for 2016

Do you think my chances are good ?

I got my NRA Visa 4 years post BK7 with scores in the 670's.

I had more inquiries than you in the past 12 months.

Re: FNBO Bk Friendly ?

CountryLivin — Fri, 01 Jul 2016 20:32:07 GMT

They are Banckruptcy, inquiry, new account, AAoA, Available credit, Utilization, Sensitive!!!!

Re: FNBO Bk Friendly ?

RonM21 — Sat, 02 Jul 2016 15:07:04 GMT

Are you going to app for it, or just hold off for a while?

Re: FNBO Bk Friendly ?

Andy77 — Sun, 03 Jul 2016 03:10:51 GMT

I really don't know what I am going to do. I probably should not do it right now because I am gonna pay off 75k in debt next week, leaving me with 22k and I wanna get a CLI on my Penfed card(s) so my utilization is not so terrible when I move the 22k to them

Re: FNBO Bk Friendly ?

Anonymous — Tue, 12 Jul 2016 16:02:53 GMT

I called their backdoor number and the lady in underwriting told me that you needed to be 3 years post BK before they will consider you.

Re: FNBO Bk Friendly ?

mato01 — Tue, 12 Jul 2016 16:15:49 GMT

I don't know about Bk, but I applied with 4 public records that are 6 years old and was immediately approved for $4500.