nRewards app declined

[Anonymous]

Hello I applied for a nRewards visa with NFCU and got 3-5 message last night. This am I got the declined and I private messages to request recon and explained my previous credit history. They replied asking to fax Bk discharge papers to them. Is this a possible approval with the recon? I have a secured c1 platinum and an unsecured qs1 but not reporting on reports yet. I'm fresh out chapter seven did not burn any cc in chap 7 TU 601 Ex 564 EQ 591 as of yesterday. No store cards. I have a new auto loan that has not reported yet for 15k

[Creditaddict]

sounds like you jumped the gun and the credit report isn't reporting the bk as discharged?

they can approve if it really is discharged and sounds like they might.

[Anonymous]

They are reporting on all three bureaus as IIB 0 balance so I don't see why they don't see it.

[Creditaddict]

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@Anonymous wrote:
They are reporting on all three bureaus as IIB 0 balance so I don't see why they don't see it.

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no, is your BK itself reporting as discharged on your credit reports? and discharged as of what date?

[Anonymous]

2/25/15 is dc date and yes it shows on the reports as discharged.

[Anonymous]

I filed 11/25/14

[Creditaddict]

well upload it to navy and see what happens.

[Anonymous]

I faced it to the number they requested in the secure message

[GirlMelanie89]

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@Anonymous wrote:
I faced it to the number they requested in the secure message

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Good luck! Keep us posted on the results! 

[Scupra]

I apped for nRewards the week I was discharged and they asked me to upload the discharge paperwork as well. Good luck, I was approved later!