@Anonymous wrote:
I desperately want an in with them. I guess it's just the butt hurt talking haha. Maybe I'll wait another year and reapply cold. I am only 2 years post BK7 so maybe once I give that more age I will have a better chance. I thought with a 685 I had a good shot. 3% utilization.
Sorry op. Thats your answser right there. They are not the friendliest when it comes to Bk. My brother is now 7 years post bk. just about 8 months ago. he was declined they said bk too recent. they even told him on the phone try again at the 7 year mark. He did. and was approved for 3500. and his scores were all over 700. So they like the files clean and thin mostly. i for sure got in on first try with 665. but fairly clean. 1 collection 4 years old and very thin.
