How long post BK to try for Discover?

[Anonymous]

I am 2 years post BK and a Discover card has always been my wish card. I have too many inquiries right now and a few new accounts to even attempt now. Should I wait a year and apply or longer? Wait until all my inquiries have fallen off?

[Dw4250]

What are your current scores?  Did you burn Discover in your BK? 

[Anonymous]

Nope I've never had a Discover. TU 650 EQ 653 EQ 668

[TRC_WA]

---

@Anonymous wrote:

Nope I've never had a Discover. TU 650 EQ 653 EQ 668

---

I applied in Oct 2013... 4+ years after filing a 13.  Denied for BK.

Approved in Dec 2014... 5+ years after filing.

Can't remember if it was EX or EQ that they pulled but my scores were ballpark 685-690.

I didn't burn them... never had a Discover.

Your scores look a bit low.  Discover isn't all that BK friendly... even less if you burned them.

[Anonymous]

I planned on doing all I can the next year or two to pull them up. Maybe I'll try in two years and see what happens.

[CreditCuriosity]

Discover is all over the board on what or whom they approve..  I agree scores might be a bit low with a BK on  your file, but people certainly have been approved  with BK on their files a few years out of BK also people with clean files in the 700's are declined..  They are a tough person for me to  personally put my finger on  what they look for..  No desire to apply personally since I  have the  freedom, just  always try to figure them out is all.

[bk510]

---

@Anonymous wrote:

I am 2 years post BK and a Discover card has always been my wish card. I have too many inquiries right now and a few new accounts to even attempt now. Should I wait a year and apply or longer? Wait until all my inquiries have fallen off?

---

I was approved for 1600 20 months after BK7 discharge......did not burm them.

So far 2 auto cli of 200 every 6 months....lol

[Anonymous]

What were your scores like if you remember? Any inquiries?

[Anonymous]

I applied - approved for $4,500 - 1 year and 1 month out of BK.  They pulled TU which is clear of any IIB accounts - but the BK7 is still on there. My FICO was 740 at the time - and according to the letter.  I did not include Disover in my BK.

I also want to say that I had A WHOLE LOT of good accounts BEFORE BK to begin with and i also had all the other cards in my signature.. perfect payment history - always PIF - but I let NFCU post $5600 on the credit report on accident.. I didn't pay before statement.  Blah

[cem13]

---

@Anonymous wrote:

I applied - approved for $4,500 - 1 year and 1 month out of BK.  They pulled TU which is clear of any IIB accounts - but the BK7 is still on there. My FICO was 740 at the time - and according to the letter.  I did not include Disover in my BK.

---

I have a Discover and IIB in my JUN2011 BK7 discharge.  I burned them for over $10K.  I apped in APR2015 along with many CUs.  Discover and Delta were my only denials.  I picked up $70K in SLs over 10 cards.  So yes, they are butt hurt if they get burned.  It sounds like they are BK7 friendly if you have a fairly clean file with a BK7.