cancel
Showing results for 
Search instead for 
Did you mean: 

Capitalone approved after BK & yes I burned them :(

tag
millers
Established Member

Capitalone approved after BK & yes I burned them :(

OMG

1/2018 Filed BK and score dropped in the 400’s Smiley Sad

4/2018 Discharge Smiley Happy

Took a while for collection to drop off and accounts to update to IIB

*student loan payment re-activated after discharge with some late marks in 2015, but been paying on time for the pass 4years

9/2018 got a secured installment loan from becu (no credit pulled)

11/2018 applied and got Credit one $300 limit (don’t remember my score)

Been checking my credit and all collections fell off and accounts updated to IIB and $0 balance

3/25 applied for QS (got a message that my application was in review), immediately tried for platinum and got instant Denial Smiley Sad
Ex (632) TU (619) EQ (632) FICO

3/26 call the back door number to check my first application status and they said someone will contact me in 3-4 days ?

3/28 called on my lunch today transferred to a specialist who stated all they needed was a verification of the last 4 digit of my social (thought that was weird) gave it, then he said I will get my resolution in the next few days. Ugh

***called back 2 hrs later and was told I’ve been approved for $3000.

Im sooooooo happy right now I can’t even explain it. Im on track to getting my scores in the 700 so I can finally buy a house.

My original card with capital one before bankruptcy started out at $500 so honestly, I was looking for a $300 limit not $3000 I’m so grateful for the opportunity to have this second chance.

My scores are better now than they have been the pass 5 years. Bankruptcy is not an easy decision to move forward with… BUT DAM sure the BEST decision I’ve ever made for me and children.
Message 1 of 15
14 REPLIES 14
GApeachy
Super Contributor

Re: Capitalone approved after BK & yes I burned them :(

Lawdy, lawdy....ur a bad tail!  Way to go!!!

My Take Home Pay Don't Take Me Home
Message 2 of 15
FireMedic1
Community Leader
Mega Contributor

Re: Capitalone approved after BK & yes I burned them :(

Congrats. Your on your way now!


Message 3 of 15
Anonymous
Not applicable

Re: Capitalone approved after BK & yes I burned them :(

How awesome!! Congrats!
Message 4 of 15
coreyb80
Super Contributor

Re: Capitalone approved after BK & yes I burned them :(

Congrats on the approval!

Message 5 of 15
LakeLife
Established Contributor

Re: Capitalone approved after BK & yes I burned them :(

Congratulations on all the hard work it took to get there.  




Message 6 of 15
Velar_nyc19
New Contributor

Re: Capitalone approved after BK & yes I burned them :(

I flied chapter 7 recently, i didnt know collection accounts are suppose to fell off,

Is this suppose to happen ?
Message 7 of 15
Kasuito39
Frequent Contributor

Re: Capitalone approved after BK & yes I burned them :(

Congrats on your approval
Message 8 of 15
MyDataMyChoice
Valued Contributor

Re: Capitalone approved after BK & yes I burned them :(

Congrats!

Can I ask...

How much was the balance on Capital One when you filed BK?

Was the account in good standing or charged off when you filed?


Message 9 of 15
millers
Established Member

Re: Capitalone approved after BK & yes I burned them :(

My understanding is that it does .. I had about 10 collection and they all fell off
Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.