Capone recon for discharged BK

Anonymous · ‎01-07-2015

Hi everyone,

This is my first post on this forum.

My scores are about 615 across the board. My salary is >100k.

I recieved a denial email from capone for a platinum card. The reason they used was that a non-discharged Bankruptcy. I recieved my Dischargeorder from a Chapter 13 on the 5th. Do you think if I call the Recon numbers and tell them I can Fax or email my Discharge order that they will reconsider my app?

Thanks.

TRC_WA · ‎01-07-2015

I'm sure they will... once it's updated on your reports you should be fine either way.

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26

Anonymous · ‎01-07-2015

Yes, fax them a copy of discharge, and you will be Ok. !

Anonymous · ‎01-07-2015

I called the REcon number and Max said to fax in the discharge letter. He said to wait 24 hours and then call back. We will see what happens. Thanks for the replies.

pizza1 · ‎01-07-2015

Good luck! You will be fine!

Anonymous · ‎01-08-2015

So I called Capone after I faxed in my discharge notice and spoke with Bruno. He said they received the supporting documents and that they will reopen the case and review it. It will take up to 15days and I will be notified by mail. Well, we will see what happens.