x1 and ch7

[MyDataMyChoice]

Has anyone been approved for X1 with a BK7 reporting?    

[FinStar]

@MyDataMyChoice- as this is not an approval, this thread has been moved to the appropriate area of the forums.

Unfortunately, X1 does not approve applications where BK is still present on your CRAs.

[1GaDawg85]

---

@FinStar wrote:

@MyDataMyChoice- as this is not an approval, this thread has been moved to the appropriate area of the forums.

Unfortunately, X1 does not approve applications where BK is still present on your CRAs.

---

I have yet to see anyone approved with a BK7 reporting on any of the reports. They expect a clean file with no derogatory marks

[silver_idle]

---

@1GaDawg85 wrote:

---

@FinStar wrote:

@MyDataMyChoice- as this is not an approval, this thread has been moved to the appropriate area of the forums.

Unfortunately, X1 does not approve applications where BK is still present on your CRAs.

---

I have yet to see anyone approved with a BK7 reporting on any of the reports. They expect a clean file with no derogatory marks

---

Well they do allow people who have derogatory marks as long as they are old (eg more than 2 years old) and not recent. Ofc, that doesnt count BK or judgement since i dont know what they will do for those who have any reporting even if they were resolved and old.

[bigseegar]

---

@MyDataMyChoice wrote:

Has anyone been approved for X1 with a BK7 reporting?    

---

Absolutely not going to happen. They require a clean file and high (or at least very strong) income. 

[MyDataMyChoice]

I have a very strong high income, and my credit score is 710
I have no debt except student loans

3 years from discharge

[OmarGB9]

---

@MyDataMyChoice wrote:
I have a very strong high income, and my credit score is 710
I have no debt except student loans

3 years from discharge

---

Unfortunately as mentioned above, even with everything else you have going for you, the BK still being present is a deal breaker for X1.

[arifjk]

---

@MyDataMyChoice wrote:
I have a very strong high income, and my credit score is 710
I have no debt except student loans

3 years from discharge

---

They didn't approve me and I am 9 years from discharge. However, in 6 months, my BK7 will fall off the CR. So I will apply again.

BTW, what credit bureau does X1 pull since it did a soft inquiry, it didn't show up last time?

Thanks. 

[FinStar]

---

@arifjk wrote:

---

@MyDataMyChoice wrote:
I have a very strong high income, and my credit score is 710
I have no debt except student loans

3 years from discharge

---

They didn't approve me and I am 9 years from discharge. However, in 6 months, my BK7 will fall off the CR. So I will apply again.

BTW, what credit bureau does X1 pull since it did a soft inquiry, it didn't show up last time?

Thanks. 

---

X1 SPs Experian for the pre-qualification. It will be a HP if the offer is accepted (same CRA).

[bigseegar]

---

@MyDataMyChoice wrote:
I have a very strong high income, and my credit score is 710
I have no debt except student loans

3 years from discharge

---

Then unfortunately you have 7 more years to wait, as again they will not approve with any BK reporting, regardless of income and/or score.