@ulyssesmama wrote:Ok so...I give up! Back in November NFCU told me through secure message (after I tried to recon a denial) that the reason they didn't approve me was because my bankruptcy discharge wasn't a year old yet. They offered me a secured card but I didn't take it because I thought I would wait until my year discharge anniversary (which is this month) and try again. Well, my credit union offered me a card so since I had to allow a hard pull for that, I thought I'd try NFCu again. Well, it was a Friday afternoon so I got the "we'll contact you in 24 hrs message" ) but I didn't get an answer until Monday afternoon. When the email sent me to another secured message I already knew I was toast but I checked anyway and sure enough it was another denial but without any explanation this time. I haven't received the paper version yet. I have read so many people say that they have been approved with a lot worse profile than mine so I don't get it. I thought about trying another recon but I don't think it will help. I would love to know what you guys think is the problem.
So, here is my info (or my shame😏): chapter 13 2011(D.C. 2016) which is my only baddie still showing, inquiries 17 (I know, I know 😔), utilization 34% ( it will go down next month bcs I have paid off all of my store cards (yay! I'm keeping them for the utilization % and perks). After I apped for the mobile infirmary credit union (local cu) card I apped for NFCU. I then apped and was approved for Belk card (ironic that the following Monday they sent me a preapproval letter), then I tried for Ally card (under review), stein mart (under review-most likely denial) and new horizons credit union (local cu under review) and Dillards (under review, I didn't expect an approval but I HAD to try😒). I fully expect to get a bunch of denial letters next week. I apped for these because I figured I'd try for these since I'd already taken the hp hit and these are the ones I most want. I understand I have to go live in the garden for at least 6 months now.
I would love feedback.
FICO scores 626 Experian (from Experian site), 648 Equifax (myfico site), 606 Transunion (Discover, Barclay card). Credit Karma 652 Transunion, 664 Equifax.
Capital one platinum $3000, Discover $2500, Barclay $1300, Credit one $500, Sony $500, Indigo $300, buypowercard $300, Applied bank secured $300, Walmart $500, Kohl's $500, HSN $1000 (shopping cart trick), Victoria secret (SCT) $300, Overstock.com $250 (SCT), Paypal credit $400
I think these are good considering I had filled chapter 13 in Nov 2011.FICO March 28 2017 TU 659, EQ 641, EX 645
New CLs walmart $1000, HSN $1200, buypowercard $500, VS $450, Overstock $450, Mobile infirmary credit union $500, Belk $400, old navy $300
You answered your own question (except they don't hate you) 
Your BK was just discharged in 2016 thats pretty recent.
17 inquiries is ALOT
34% utilization is VERY HIGH considering your recent discharge.
Pay down your debt and don't apply for ANYTHING (except secured NFCU card) for at least 6 months and try again.
In the meantime get a secured card from NFCU and build history with them.
Good luck!
