NASA

[ddemari]

When I received my denial for Nasa CC, they are/were using EX FICO 3. My score was low 700's. They like a strong, clean profile from what I have read. 

[Shawndoe79]

Ok, I only tried it since I heard they were soft pulls. I'll try again once profile is stronger

[Anonymous]

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@CH-7-Mission-Accomplished wrote:

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@Shawndoe79 wrote:

I app'd for the platinum cash rewards and was denied. Are you saying go back and app for a Ploc?

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NASA requres a minimum of 24 months of positive credit history on three or more revolving accounts post bankruptcy.  The next app will be an HP.  Don't waste it.

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CH-7 -- thanks for posting this.  I have been scouring MyFico trying to figure out what it takes to make NASA happy.  I was instantly accepted into CU 6 months ago, but declined as well on CC.  Had 756 Experian score.  Don't have a bk, but did not have three accounts with 24 months of history at the time.  I'll be reapplying at the end of this year.  

[gingerflower]

Op sorry I did not realize you are post bankruptcy. Had I' d know I would have not recommend to apply for cc or Ploc. I'd wait a year to apply.

[Anonymous]

According to CH7, that might not be a good idea especially for the OP since that would mean a decline with a HP.

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@ddemari wrote:
Congrats!! Wait another 6-12 months and then apply for cc if profile gets better! 

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[ddemari]

I didnt know about the bankruptcy. From what I have read and from what people on here have told me, Nasa is a beast. I'd probably just move on for a while if I had a nk reporting and try to get in with a local credit union if you could? 

[Shawndoe79]

I was only trying since it was a SP, no harm no foul

[Shawndoe79]

**UPDATE**  For anybody that's interested I was denied for too many inquiries in the last 12 months (4) and the length of time accounts have been established. Score was 653 Experian

[Anonymous]

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@Shawndoe79 wrote:

**UPDATE**  For anybody that's interested I was denied for too many inquiries in the last 12 months (4) and the length of time accounts have been established. Score was 653 Experian

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That's just the reasons they listed. It's a guarantee that the fresh BK was a huge factor.

[Shawndoe79]

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@Anonymous wrote:

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@Shawndoe79 wrote:

**UPDATE**  For anybody that's interested I was denied for too many inquiries in the last 12 months (4) and the length of time accounts have been established. Score was 653 Experian

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That's just the reasons they listed. It's a guarantee that the fresh BK was a huge factor.

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That could be it too that my accounts since the bankruptcy are only 6 months old