Fidelity Visa with a discharged Ch 13 approval odds?

[cabledude27]

Has anyone been approved for a Fidelity Visa with a discharged ch 13 BK on their credit reports?  I was discharged in May 2023, that'll fall off my CRs next April 2025; my current scores are below, and I have <1% utilization across my credit cards.  I've had a Fidelity Cash Management account for ages, 401k for a long time too, had a Fidelity Visa many years ago and believe it was good standing 

FICO 8:
EQ - 736; TU - 733; EX - 721

FICO BANKCARD SCORE 8:
EQ - 753; TU - 750; EX 728

[Lurker22]

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@cabledude27 wrote:

Has anyone been approved for a Fidelity Visa with a discharged ch 13 BK on their credit reports?  I was discharged in May 2023, that'll fall off my CRs next April 2025; my current scores are below, and I have <1% utilization across my credit cards.  I've had a Fidelity Cash Management account for ages, 401k for a long time too, had a Fidelity Visa many years ago and believe it was good standing 

FICO 8:
EQ - 736; TU - 733; EX - 721

FICO BANKCARD SCORE 8:
EQ - 753; TU - 750; EX 728

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My 13 was discharged 12/27/22 - approved for Fidelity 5/16/24 with a $17K CL (13 fell off TU in April of this year - was still showing for EX/EQ) my Fico8's were low 700's at the time (around 708) 

[cabledude27]

Thanks! I think I read they pulled TU, so I'm wondering if because of that, they didn't see the BK on the CR and approved it. I don't want to waste an HP, so I'm trying to do my research, lol.  

I appreciate the information!

[Lurker22]

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@cabledude27 wrote:

Thanks! I think I read they pulled TU, so I'm wondering if because of that, they didn't see the BK on the CR and approved it. I don't want to waste an HP, so I'm trying to do my research, lol.  

I appreciate the information!

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it's an interesting question, I know Elan's parent (USB) is aware of my 13 as they were IIB'd pretty badly and I have 2 secured cards (which after 3+ years still haven't graduated yet) from them directly but not sure how much profile information they share back and forth

[cabledude27]

Interesting!  I'm getting itchy to try lol.  But I don't want to be denied and have an HP to boot, lol.  Anymore it seems I'm getting beat up, I've put some good effort into cleaning up and building, but getting weird denials from Amex on CLI's about my BK (even though they approved 2 cards with the same BK on my CR's) so my confidence is out of whack.

[Lurker22]

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@cabledude27 wrote:

Interesting!  I'm getting itchy to try lol.  But I don't want to be denied and have an HP to boot, lol.  Anymore it seems I'm getting beat up, I've put some good effort into cleaning up and building, but getting weird denials from Amex on CLI's about my BK (even though they approved 2 cards with the same BK on my CR's) so my confidence is out of whack.

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One additional datapoint, USB/Elan pulled EQ for me (I see the inquiry on the date the account was opened) so they absolutely new about my 13 when they approved me 

[cabledude27]

Pulled the trigger and applied.

APPROVED!!  

$15k CL!!  

lol I cant believe it. 

[MissLiz]

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@cabledude27 wrote:

Pulled the trigger and applied.

APPROVED!!  

$15k CL!!  

lol I cant believe it. 

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Just saw that on the approvals board. Congrats!

[Lurker22]

that's awesome!