I was discharged in August, 2019 and have tried a couple times, every time its listed bankruptcy. Today though, I tried again because my scores have recently got up and my overall CC uti is under 10%, but was still denied. This time it listed these three:
You have recently been past due.
You have recently filed for bankruptcy.
You have recently filed for bankruptcy or experienced another negative public record on the credit file.
My score was 643
Not sure what the past due is all about, since I have no lates at all, at least on TU. On EQ and Exp some of my accounts that were listed in the BK reported the 30 days when they were closed. I'm assuming its from the BK. But anyway, I'll try again in a couple months.
