topic Re: What Credit Cards can you get after Post Chapter 13 BK Discharge in Rebuilding Your Credit

What Credit Cards can you get after Post Chapter 13 BK Discharge

pc01user — Mon, 27 Apr 2015 02:32:19 GMT

Hello and welcome to the forums.

I've moved this to the Rebuilding board. I think you'll get a better response there

MarineVietVet, myFICO moderator

My Chapter 13 BK has been discharged five years but even when I am prequalified

for an offer I still get denied and I don't want to keep piling up the HPs. Is there any

cards to qualify for except secured and those that have costly fees?

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

pizza1 — Mon, 27 Apr 2015 01:45:27 GMT

@pc01user wrote:
My Chapter 13 BK has been discharged five years but even when I am prequalified
for an offer I still get denied and I don't want to keep piling up the HPs. Is there any
cards to qualify for except secured and those that have costly fees?

We are going to need a bit more info here in order to help you out!

Current fico scores?

any baddies showing at all and how old?

BK still showing on reports?

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

pc01user — Mon, 27 Apr 2015 01:58:50 GMT

My current Fico Scores EQ 632 TU 641 EX 641

No IIB's and just Chapter 13 BK d/c 5/20/10

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

pizza1 — Mon, 27 Apr 2015 02:14:51 GMT

@pc01user wrote:
My current Fico Scores EQ 632 TU 641 EX 641
No IIB's and just Chapter 13 BK d/c 5/20/10

Do you have any CC's, installment loans, anything positive showing?

If CC, how many, who is it, and how old.

Believe me, in order to really help you, we have to get specific, and particular. We kinda have to know the credit scoop here..

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

pizza1 — Mon, 27 Apr 2015 02:16:56 GMT

@pizza1 wrote:
@pc01user wrote:
My current Fico Scores EQ 632 TU 641 EX 641
No IIB's and just Chapter 13 BK d/c 5/20/10
Do you have any CC's, installment loans, anything positive showing?
If CC, how many, who is it, and how old.
Believe me, in order to really help you, we have to get specific, and particular. We kinda have to know the credit scoop here..

oh also if you have CC, throw in your overall util on each card

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

pizza1 — Mon, 27 Apr 2015 02:18:47 GMT

oh sorry I can't get all my questions in one answer..also..how many inquiries you have on each CRA, and how old.

Trust me...once we know these basics, we can go from there...

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

padme — Mon, 27 Apr 2015 02:22:26 GMT

@pc01user wrote:
My Chapter 13 BK has been discharged five years but even when I am prequalified
for an offer I still get denied and I don't want to keep piling up the HPs. Is there any
cards to qualify for except secured and those that have costly fees?

gonna have to pay to play anyhow.. you need 3x lines running asap... once you get those going, you be able to access the AF free lines maybe.. there is a guide in stickies, can always follow pizza's threads also...

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

Anonymous — Mon, 27 Apr 2015 02:29:39 GMT

To get better answers to your question, check out the Bankruptcy/Post Bankruptcy sub forum on here. It has a wealth of information...

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

pc01user — Mon, 27 Apr 2015 03:02:13 GMT

Thanks Yes Its Me. I should have looked at that first.

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

Anonymous — Mon, 27 Apr 2015 03:34:56 GMT

@pc01user wrote:
Thanks Yes Its Me. I should have looked at that first.

You are welcome!!! You be surpirsed at the information there... Very good stuff.

Re: What Credit Cards can you get after Post Chapter 13 BK Discharge

Imperfectfuture — Mon, 27 Apr 2015 04:10:06 GMT

The bankruptcy to 700 thread helped me when rebuilding, and I didn't file, just payed for delete, worked withOC's to remove collections, and waited for a few charge offs to go bye bye.