Chase after BK (finally deleted from reports!)

[Anonymous]

I finally got my BK deleted from all 3 bureaus! Yay! Equifax, of course, waiting the longest. I called today and they said it was gone. Date of BK 10 year would have been 2/16/20, so they did it a little early.

I have been wanting a Chase Sapphire Reserve forever, but I didn’t want to apply and get declined. Now that my credit scores are all back over 800, I think maybe I’ll get approved. Income is about $200k/yr and I have a mtg, auto loan and other credit cards.

Should I apply now or wait for a few more months?

Thank you in advance!

[AllZero]

Congratulations on your success!

[Anonymous]

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@Anonymous wrote:
I finally got my BK deleted from all 3 bureaus! Yay! Equifax, of course, waiting the longest. I called today and they said it was gone. Date of BK 10 year would have been 2/16/20, so they did it a little early.

I have been wanting a Chase Sapphire Reserve forever, but I didn’t want to apply and get declined. Now that my credit scores are all back over 800, I think maybe I’ll get approved. Income is about $200k/yr and I have a mtg, auto loan and other credit cards.

Should I apply now or wait for a few more months?

Thank you in advance!

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@Anonymous It all depends on whether you burned Chase or one of its affiliates/acquisitions in your bankruptcy.  If you did, they can/may still refer to their internal records and deny you citing "previous unsatisfactory relationship" and still possibly blacklist you.  If you're blacklisted and apply, you will be denied without a hard pull so actually making an application is the only way to find out for sure.

[Anonymous]

Congratulations on that!

@MaizeandBlue hit it right on the head. If you burned them, you may be blacklisted

[Kw76]

Chase will hard pull you regardless . I would give it a try, it’s been almost 10 years , you may have to recon, but with your scores and lack of bk showing . I think you may be ok.

[Meanmchine]

Try Chase Journey and see if you get any offers

Chase will double pull you and still deny you if youre in their blacklist

[Remedios]

Chase will do HP even if blacklisted.

[pizza1]

As others suggested, if Chase or Chase affiliates were burned, you'll never know if BL until you try.

[cem13]

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@Anonymous wrote:

Should I apply now or wait for a few more months?

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I agree with others here.  My DW and I filed BK7 in JAN2011 and I (not DW) burned Chase IIB.  We have our checking account with Chase and we run $11~12K through Chase every month.  Last year, she received a pre-approved offer from Chase Slate. I was surprised to say the least.  So I got froggy and applied for Slate and they would not play "a dead man in a cowboy movie" with me.  I think they denied me before I hit the **bleep** button.  The reason was BK7 on file and no mention of IIB account ($20K).

This week starts the 9th and final year for my BK7.  I checked the pre-qual site and it matched me with Freedom so I took the plunge.  Denied again but this time it was even quicker.  The same reason for the denial "BK7 on file" and no mention of IIB account.

So I am very interested in your story and its outcome.  Nevertheless, I would hit the button and risk the HPs.

[recoveringfrombk7]

Congrats on making it through to the other side. I hope Chase rewards you for your efforts.