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Major CC's after BK

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New Contributor

Re: Major CC's after BK

I burned Amex a while back. I called them a couple of weeks ago to figure out the amount and it was one $4,300.00. So I plan on paying them and applying at some point in the future.

 

You situation after BK and some time will may give you the opportunity to pay someone of these companies back and get in their good graces.

 

I don't see USbank and Discover on your list.. So you wallet will include the following cards:

 

Discover

Usbank

Capital One

 

 

Last Inquiry 11/8/2018 (QS1 approved $300.00)
Fico Score Progression :
10/1/2018 EQ 530 TU 535 EX 540
12/16/2018 EQ 630 TU 621 EX 636
12/27/2018 EQ 639 TU 628 EX 634
6/6/2019 EQ 626 TU 565 EX 614
7/17/2019 EQ 644 TU 641 EX 678
8/10/2019 EQ 650 TU 757 EX 684
In the garden till 1/1/2020
Message 11 of 14
Community Leader
Super Contributor

Re: Major CC's after BK


@tparks5961 wrote:

I burned Amex a while back. I called them a couple of weeks ago to figure out the amount and it was one $4,300.00. So I plan on paying them and applying at some point in the future.

 

You situation after BK and some time will may give you the opportunity to pay someone of these companies back and get in their good graces.

 

I don't see USbank and Discover on your list.. So you wallet will include the following cards:

 

Discover

Usbank

Capital One

 

 


~US Bank will be 5 yrs and 1 mo post file date if you didnt burn them, and longer if you did. 

~Amex will be 5 yrs and 1 mo post file date IF you didnt burn them. If you want back in at the 5 yr mark, you need to pay them back, if not...many years down the road before they let you back. 10-20

~Chase now is 7-10+ plus for a card. Most are reporting now no approvals until BK is off record

~Citibank retail side is obtainable 2-4 yrs post DC, and on the legacy side 5-10yrs depending. 

 

So forget the major players for a very long time

 

Discover 6-10mo post DC if you didnt burn them, 1-3 yrs if you did

Cap1 usually most forgiven. 1 week-3 mo post DC regardless of burn


Scores held down by umpteen INQ & New accounts
~~~BK7 d/c-08/2013......my rebuild worked for me, but won't necessarily work for you.~~
Message 12 of 14
Member

Re: Major CC's after BK

I still haven’t been able to get a pre-approval from cap one (iib). Also is the usbank secured card a 5 yr wait as well or just the unsecured?
Message 13 of 14
New Contributor

Re: Major CC's after BK

Same, I IIB capital one for $3k, I am now 3 months post discharge still nothing on their prequal site.
10/12/18: Discharged from BK7
10/15/18: EX 541 | TU 490 | EQ 555
6/7/19: EX 625 | TU 624 | EQ 655

Message 14 of 14
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