My rebuild story :)

[Scupra]

Got my Freedom card in the mail today, 5 days not bad Approval letter showed EX FICO at 733 that felt good to see!

[Guyatthebeach]

Scupra,

Congratulations on your new Chase card!!! That is fantastic!!! I wish my scores were where yours are. 

I applied for Chase in December, 2014 and was declined due bankruptcy. It's ok since I have enough cards and over  $60,000 in available credit.

I bought a new Toyota and financed at 1.99. I had a 50 point drop on my EQ. I'm off to the garden untill Januarry 2016 or until all my scores go back above 720.

Life'a beach!!!

Guyatthebeach

[TRC_WA]

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@Scupra wrote:
I have seen a couple lately around the 2 year mark. Actually is kind of why I went for it, wanted to provide some info for us BK'ers!

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So THAT's why Chase declined me twice in the last 6 months... even with a request for a $500 Freedom like the one you got... still denied for BK despite the fact I have multiple $5-$10k cards from banks not named NFCU.

Not point in trying again next week when I hit 2 years... just gonna wait it out till the end of the year when everything falls off.

Grats on the card... watch the UTI on it. 

[Wizdog1]

So happy for you Scupra you too TRC_WA, both of you have done such a great job. I love reading your adventures with credit cards. I still just have my Discover, only card I have applied for, declined the miles card but doubled my limit on IT card. I can't be trusted so I'll just live through your postings😜

[Scupra]

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@TRC_WA wrote:

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@Scupra wrote:
I have seen a couple lately around the 2 year mark. Actually is kind of why I went for it, wanted to provide some info for us BK'ers!

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So THAT's why Chase declined me twice in the last 6 months... even with a request for a $500 Freedom like the one you got... still denied for BK despite the fact I have multiple $5-$10k cards from banks not named NFCU.

Not point in trying again next week when I hit 2 years... just gonna wait it out till the end of the year when everything falls off.

Grats on the card... watch the UTI on it. 

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You will get a much better starting limit making it worth the wait I am already waiting for a payment to post so I can begin using the card again :/ Blahh this is going to get annoying.

[Scupra]

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@Wizdog1 wrote:

So happy for you Scupra you too TRC_WA, both of you have done such a great job. I love reading your adventures with credit cards. I still just have my Discover, only card I have applied for, declined the miles card but doubled my limit on IT card. I can't be trusted so I'll just live through your postings😜

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Thanks Wiz! Hey, Discover turned me down haha!

[TRC_WA]

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@Scupra wrote:

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You will get a much better starting limit making it worth the wait I am already waiting for a payment to post so I can begin using the card again :/ Blahh this is going to get annoying.

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Indeed.  Now that I think about it I'm kinda glad I didn't get a $500 card... I'll wait and take my chances on approval later... LOL

I did see over in rebuild forums that people were getting 60 pt increases for a CO dropping.  Kinda makes me wonder if I just might see some massive 100 pt increases for the PR and IIB accounts falling off.

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@Scupra wrote:

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@Wizdog1 wrote:

So happy for you Scupra you too TRC_WA, both of you have done such a great job. I love reading your adventures with credit cards. I still just have my Discover, only card I have applied for, declined the miles card but doubled my limit on IT card. I can't be trusted so I'll just live through your postings😜

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Thanks Wiz! Hey, Discover turned me down haha!

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Yeah thanks Wiz!

Discover?  Yep... got one.  AmEx too... although I don't use it much. 

[padme]

Glad to hear youve gotten card youve been wanting, tried to sneak in there but not luck, only 18months post BK7 though.. congrats

[Scupra]

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@padme wrote:

Glad to hear youve gotten card youve been wanting, tried to sneak in there but not luck, only 18months post BK7 though.. congrats

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Thanks! It seems like at least after 2 years with solid rebuilding for Chase

[TRC_WA]

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@Scupra wrote:

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Thanks Wiz! Hey, Discover turned me down haha!

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I got a card in the mail yesterday... envelope appeared like it was junk mail.

I opened it and it was a $5 gift card for Starbucks in a nice pretty Discover greeting card.

Rather have another CLI...