topic Re: When will USAA let me back in? in Credit Cards

When will USAA let me back in?

tussking — Sun, 31 Jan 2021 03:49:12 GMT

Anyone have experience getting CC's after BK7. It's now been 5 years and 7 months since my BK7. I tried almost a year ago no luck.

Re: When will USAA let me back in?

FinStar — Sun, 31 Jan 2021 04:03:23 GMT

Was USAA IIB?

Re: When will USAA let me back in?

tussking — Sun, 31 Jan 2021 04:05:31 GMT

Yes sir!

Re: When will USAA let me back in?

K-in-Boston — Sun, 31 Jan 2021 10:17:25 GMT

It appears it's likely 7 years, but possibly 5:

https://ficoforums.myfico.com/t5/Credit-Cards/Latest-info-on-USAA-CC-s-after-BK-in-which-they-weren-t-included/m-p/5341850#M1585262

Re: When will USAA let me back in?

BobbyJ — Sun, 31 Jan 2021 14:18:04 GMT

Hello, I included USAA in my BK7 back in Oct 2013 and was able to get back in and get the USAA Preferred Cash Rewards Visa for $5K on 1/15/2019. I also had access to my checking and savings account for a few years before the credit card approval but never used them as my primary bank.

Hang in there because there is hope to get back in with USAA.

Re: When will USAA let me back in?

tussking — Sun, 31 Jan 2021 15:42:37 GMT

Interesting thanks you got it 5.5 years post BK7 which is where I am at now.

How do you have a 799 score with a BK7 still reporting?

Re: When will USAA let me back in?

BobbyJ — Sun, 31 Jan 2021 15:49:44 GMT

When my BK7 was filed I was able to still have 7 accounts open and reported positively. Also there were no accounts that were ever reported late before after the bankruptcy which also helped. I also had 2 refinanced mortgages.

Re: When will USAA let me back in?

BobbyJ — Sun, 31 Jan 2021 16:10:25 GMT

BTW, 12 remaining accounts that were IIB fell off my reports in October 2020.

Re: When will USAA let me back in?

AlmostNJ — Mon, 01 Feb 2021 04:18:37 GMT

@tussking wrote:
Anyone have experience getting CC's after BK7. It's now been 5 years and 7 months since my BK7. I tried a year ago no luck.

The answer for me and my daughter were yes. I burned them for 2 credit cards over 20K. I just pay a nominal amount every week. They both aged off my credit report. They have given me 2 new credit cards and a car loan.

My daughter filed bankruptcy and they allowed her back in.

Good luck!