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@stormb28 wrote:
Rhaeny,
How far out were you from BK when you got the discover it?
I got it 2 months post bk and they pulled EQ and myFico here was 714, but when they sent me my card the letter said that my score was 668. That's because they use an enhanced bank card model for approvals. That was almost a 50 point spread between the two! So I beleive I was dinged due to some old IIB accounts and the fact that I have so many newly opened accounts. So if you apply keep this in mind. I guess this is similiar to what the car dealers do when they pull an auto-ehanced version of your report.
Mine was a chp13 that I filed in 2007, so that may be the difference in Discover's eyes right there. So the age of my bk is 6 years whereas others who filed a 7 may be a lot less, however my discharge date in 2012 clearly shows on my report so they DID see it.
@Scupra wrote:
Anyone post chapter7 to get approved?
I don't think its about the type of bk you filed...its the length of time SINCE the bk and the credit that you've built. When I look at the database of those who were approved it looks like its at least 2 years from filing date with no negatives after bk and the lowest score posted was 630.
@Rhaeny wrote:
@Scupra wrote:
Anyone post chapter7 to get approved?I don't think its about the type of bk you filed...its the length of time SINCE the bk and the credit that you've built. When I look at the database of those who were approved it looks like its at least 2 years from filing date with no negatives after bk and the lowest score posted was 630.
I feel like someone who has a bk13 and someone who has a bk7 are looked at different though.. I do agree with the time since and new history weighing in heavily though. I work at State Farm and we will finance someone with a bk13 at any point but if you have a bk7 they require a yr post bk7 discharge. Like you said though they require the one year to see how you are rebuilding.