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2 approvals 4 months post BK

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Established Member

2 approvals 4 months post BK

Hello All,

Today I decided to try for a few cards after receiving a FICO score update. Current FICO scores are:

666 Equifax
646 Transunion
639 Experian

My BK discharge was 6/9. I burned the following:
Capital One
CitiBank
Discover
Amazon Prime
Macy’s
Bloomingdales
Paypal

I currently have:

Credit One - $300
JCrew - $250 (survived BK)
Chase Auto ( approved 9/12 ) 27k
(not reporting yet)
Student Loans

Today I was approved for the following
Barclays Visa - 2000
Target - 500

I am very excited as I am looking to rebuild so I can buy a house. These cards are a perfect fit for me. I will be gardening from this point. I’ve lurked these boards for years and gained so much information. I hope this update helps someone.
Current Scores: TU Fico - 590 and EQ Fico - 576
Goal - 700!
Message 1 of 13
12 REPLIES 12
Community Leader
Super Contributor

Re: 2 approvals 4 months post BK

Congrats to you on your approvals, and rebuild! Smiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 2 of 13
Established Member

Re: 2 approvals 4 months post BK

looks good, congrats!

FICO-8: TU=791, EQ=755, EX=670 (as of 9/15/2017)
I'll show my CC's and CL's when I can insert html.
Message 3 of 13
Established Contributor

Re: 2 approvals 4 months post BK

Wow! Congrats, especially on that Barclays.

Message 4 of 13
Member

Re: 2 approvals 4 months post BK

Congrats on your approvals. May I ask which Bureau Barclays pulled for you?

Message 5 of 13
Valued Contributor

Re: 2 approvals 4 months post BK

Congratulations on your rebuilding efforts. You’re definitely on the right track. Use that Target card wisely and you will see some nice increases.

Also I would have 6 months and try for a Capital One preapproval.

Guyatthebeach
Message 6 of 13
Valued Contributor

Re: 2 approvals 4 months post BK

Congrats OP.

 

Keep an eye on Cap One prequalifications.

 

They have really treated well and burning them.

 

 

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                       5%-20% - Amazon & Lowes                  3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - Venture & QuickSilver




                      
Message 7 of 13
Valued Contributor

Re: 2 approvals 4 months post BK

Good job.   I bet Cap 1 would approve you right now for one of their cards - maybe even the Venture.  They don't hold a grudge long.  

FICO 08: EX-698, EQ-738, TU-721 - [8/2/2019]
FICO 09: EX-748, EQ-785, TU-770 (8/2/2019)
Mortgage: EX-737, EQ-769, TU-761 - [8/2/2019]
NFCU NavChk 15K | NFCU Visa 50K | CapOne Venture Visa 50K | CapOne Savor 30K | Barclay Aviator MC 12.5K | Discover It 32K | Alliant 3% Cash Back Visa 25K | BECU CLOC 10K | BofA AK Air Visa 5K |Amazon Prime 10K.
239.5K Total Revolving. Alliant Car Loan 15K/31K
BK 7 Filed 8/23/2013 - Discharged 11/27/2013.
Message 8 of 13
Established Member

Re: 2 approvals 4 months post BK

Thank you. I’m not sure. I haven’t received the alert yet. I will let you know when I do.
Current Scores: TU Fico - 590 and EQ Fico - 576
Goal - 700!
Message 9 of 13
Established Member

Re: 2 approvals 4 months post BK

I hope so. They denied me for an auto loan because of my “prior history” with them.
Current Scores: TU Fico - 590 and EQ Fico - 576
Goal - 700!
Message 10 of 13
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