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I checked navy federal prequalified link to see if it would come up with anything and I was prequalified for the nfcu secured card. My bk7 is right over a year old but navy federal was included in my bk. This is the first time since my bk I got a offer from them. I still have a checking and savings account with them. I wonder if they would approve my application cause I was under the impression that I would need to pay back the debt that was owed first. I am able to set up payments on what I owed them but it will take me a few years to pay back since it was over 30k.
Navy's prequal is notoriously unreliable. If they took a loss on you, you'll need to fill in that hole before they'll grant you credit again. Don't waste the HP.