Well my public records are not showing on EX (790), but are on TU & EQ, which are both right around 700. I hadn't used ANY credit in the last 8+ year's after my CH 7. I put my head in the sand, didn't care to see the horror, which was my CR's, and lived off cash and prepaid. My wife finally threatened divorce if I didn't tackle this issue and so this past Jan (2015), I pulled all 3 CR's. While my scores were bad, mid 500's across the board, I only had the judgements/CH 7 I mentioned, and the one Cap One delinquency left showing. I also had several good accounts that were left showing, but none that were recent. So I took out a 2K secured Wells Fargo CC along with a 1K secured US Bank, and Credit One (400. CL). My scores went flying up over the past 6 month's, and so I decided to go on an app spree. I'd say I was successful, although I was declined by those I mentioned above. All my approvals had small CL's (AMEX Delta PLAT 1400. / BCP 1K / SDFCU 1K, WF 2500.) except for Cap One QS 5K and Chase Slate 5500. I couldn't believe with an outstanding judgement to Cap One that they'd instantly approve me for that QS 5K, but they did. Except for today's Cap One prequal I mentioned earlier, I have absolutely zero prequal's on any other site, and I've tried them all, almost daily. Disc showed me offers every time, but I've been declined all 3 times I've applied. I won't even bother with Disc anymore. I did not burn any of the banks in my CH 7. I was forced to file as part of a business I owned and was on the hook for personal guarantees of well over a million in business debt (CNC Machinery) from the collapse of 07/08. I'm sure this has some affect on my approvals now as I didn't include any CC's in my filings. It was mainly big leasing companies like GE Capital and such. My reported income on all my CC applications is 125K. I do not know my Bankcard scores, only my FICO's. I'm in the process of trying to get those 2 judgements vacated as I plan to go mortgage shopping in 12 - 18 month's.
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