Is it that time?

[Deltadog03]

I know I have talked about this before, and yall have been helping me tremendously.  I can't thank yall enough.  I am just waiting on my EX and TU to update *EQ has, so I know it shouldn't be long*  I really want to get into the Discover and Chase Family.  My scores are EQ 629 TU 635* EX 675*  I do have a BK7 that is 2 years old now (Discharged that is) and some IIB baddies that are OFF (for the most part) on EX and TU *There are a few left*  But EQ won't delete/exclude them early.  They fall off in MAY 2015.  Question is, I have re-built heavily since the BK 2 years ago and have 5 open CCD account and 14% Util.  Installment loans that are paid good and on time.  Do you think I have a shot at both, either or neither?  I applied to both last year, and they both said needed more time.  My scores are almost 50-75 points HIGHER now than they were last year.  Thanks everyone!

[Anonymous]

Congrats on your success in rebuilding! From what I've read here Discover is not bankruptcy friendly. 

[Themanwhocan]

Probably no chance at either. At best, toy limits after a lot of arguing your case after initial denial.

Do you have any credit cards right now? You might be able to get a Secured card once the scores improve a bit more.

[Deltadog03]

Thanks for the response...I have heard they are better at BK stuff, but really want to see how you re-build...Same with Chase, but harder I hear!

[Deltadog03]

Ya I have 5 open right now with 14% Util. Not going to to a secured one. Don't need it.

[taxi818]

Yes. hate to give people bad news but i think the truth is best. with your scores. first. knowing that Discover. almost always pulls eq. i will say slim to none chance on that. but on a chase card. just maybe. depending on where you are. they will do double pull. on ex and eq. but if your eq is frozen they may just go with ex alone. which you just may have a shot. imho. but ymmv. discover is not bk friendly unless the bk is minimum over 6 years old. at least thats what they told my good friend whose bk is 7 years old. so a 2 year bk. doubtful

[Deltadog03]

You Rock!!  Thanks for the reply..I appreciate it.  Ya, I have heard so many stories its nuts.  LOL  I have heard/read that Discover is more BK friendly than Discover, and that Discover doesn't really recon...LOL  I Figured my EQ is a bit low.  I know Chase will pull EX and EQ, with a primary on EX.  They did that last year.  The recon dept was close to approval then, but didn't happen.  Discover just said no on recon's for sure.  I have also seen people 6 months out of bk get both and 3-5 years nada...

[Deltadog03]

All scores have been updated in my siggy.  Also, might hit up Barclays and see if I can get a CLI...Think 632 is enough on TU?

[TURNERHOOVER]

If I were you I'd go for both and if denied (both) then you'd know where you stand and what issues to work further on. You'll never know unless you try. 

[Deltadog03]

Very good points.  I noticed that EQ Early deleted 4 of the 7 IIB baddies that are slated to come off MAY 2015.  Thats awesome!!  I agree with you, to be honest, if I don't get either, or 1 or whatever....I know its purely the BK and I know I am just about Maximizing my FICO score right now with that profile I have.  If that makes sense.  btw, my old EQ Bankcard score is almost 100 points higher since the last time I applied for the cards.  About the same with EX