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i have been trying for months of getting a prequalified offer on the discover it but have never been able to get anything solid showing a fixed apr as stated on some posts until today. my question is what are my chaces of getting approved after being denied 2 time in the past by discover for bk reporting? my current fico8 are: TU669, EX 661, EQ665. i have over 31k in credit lines, any advice is greatly appreciated, Thanks.
Welcome to the forum. It is going to be hit or miss in regards to getting approved. I have seen people get approved around 2 years after bk as well as seen people get denied 5-6 years after. There is more to it than just the bk. How long ago was it? Was discover part of the bk? What does your current file look like? Best of luck to you and hope you do finally get the approval you want but it is hard to say. There isn't any rhyme or reason behing how they view bk's.
@Anonymous wrote:
Thanks for the response, my bk was filed 08/14 and d/c 12/14. Discover was not IIB. I havent been late after the bk my uti is 1% and i have the following inq's: TU 10(1 in last 12months) EQ 8(0 in last 12mos) and EX 11( 1 last 12mos). I have 12 positive TL's highest is Cap Qs $5500, Cap QS $3500, Cap secured $501, Barclaycard rwds $2800, Apple Reeards $2000, Walmar SC $5000, Old navy Sc $4000, Target $2000, Overstock $3000, VS $1850, and Kohls $700 my AAoA is 1yr and 9mos.
OP, seeing as the bk was not discharged until 12/14, if it were me, I would wait until at least 2 years has passed before applying. Don't get me wrong, I am not saying that you won't get approved, I just haven't seen anyone get approved before the 2 year mark. There are others on here that might be able to shed some more light on this subject and even the possibility of another member chimming in that has been in the same boat as you.
@Anonymous wrote:i have been trying for months of getting a prequalified offer on the discover it but have never been able to get anything solid showing a fixed apr as stated on some posts until today. my question is what are my chaces of getting approved after being denied 2 time in the past by discover for bk reporting? my current fico8 are: TU669, EX 661, EQ665. i have over 31k in credit lines, any advice is greatly appreciated, Thanks.
Try to apply for one of this Discover Cards.
...... http://www.creditcards.com/credit-cards/discover-it-for-students-221810947.php?catid=27 .........OR......... http://www.creditcards.com/credit-cards/discover-it-chrome-for-students-221810946.php?catid=27 ...... ,Even though they say they are for "Students" you don't need to be a Student to get them and they are much easier to be Approved than the Regular Discover iT Cards ![]()
@AverageJoesCredit wrote:
100% agree with above poster, no rhyme no reason. Ive seen plenty here post of being approved with bks showing, could be their income wasa more significant factor or could be other.
In my case never had Discover didnt IIB received like 5 mailers in a 2 month period and have 4 wasted hard pulls to show for it on my reports. The last time they even double me and still wouldnt budge. 1st reasons was the bks, now they are down to too many inquiries or my favorite , no savings account. WTH?
Anyhow , each person is different so i cant say no dont apply cuz you just may be the one they likeOnly use caution when doing so. I believe ill get an Amex before i ever see a Discover, and im only nine years in to a possible 20 to life sentence for burning Amex
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Best of luck OP
Did your mailers have the large range apr? Or a small range?
That is disheartening....I thought the 3 point range was a sure thing ![]()
Congrats op for getting the set apr......hopefully that is a sure thing! Keep us posted if you pull the app trigger ![]()