I foolishly opened a Wells Fargo secured card a couple months before I was set to file, and the account was closed. It’s reported as Included in Bankruptcy on my reports, and it was maxed out so they just kept the security deposit. Will this hurt my chances of getting a card with them in the future? Are they forgiving after BK?
Try NFCU or TD Bank, they graduate from secured after a few months.
Chapter 13 Date filed: 3/17/20 Meeting of the creditors (341): 5/20/20 Confirmation hearing: 6/11/2020 Deadline for filing claims: 6/17/20 Plan confirmed: 7/2/2020 Deadline for filing claims (Government): 9/14/20
Scores as of 05/08/21 (MyFICO Monthly Subscription/updates on the 8th of every month) Equifax 666 Transunion 634 Experian 637
Open Accounts Great Lakes (Student Loan) Pd Never Late - Perfect History/will not update until PIF $3,750 balance at $140 per month Target (Survived Bankruptcy) Pd Never Late - Perfect History $2,300 limit/$0.00 Balance Cartier (Survived Bankruptcy) Pd Never Late - Perfect History $8,000 limit/$0.00 Balance NFCU Amex (AU) $25K limit/$10K balance (removing soon) NFCU Secured Card (Trustee Approved) Card Graduated to NFCU Cash Rewards (Unsecured) $2K limit/will PIF each month before statement cuts TD Bank Secured Card $500 limit/will PIF each month before statement cuts
All closed accounts are reporting correctly with $0.00 balance
Good question. Never seen that scenario. More than likely. Probably not knowing from here how WF operates. Try disco and the poster above suggestions.
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
WF isn't too friendly, but folks have gotten cards depending on certain situations, but I would guess minimum 1 year for a secured again. . Heck Im 6 yrs post DC, with an incredible rebuild, and I still get declined for from them for BK. Ive never had them before in my life either. oh well.
My rebuild worked for me, but won't necessarily work for you! BK7 D/C- 08/2013