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Apple Card Approval with BK7

wantitgone
Contributor

Re: Apple Card Approval with BK7

Congrats! I was approved at beginning of April and it was only 2 years and 1 month post file (July will be 2 years post discharge). Seems approval varies for post bk applicants. Enjoy!

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 04/02/21 ~~ EQ: 684, TU: 670, EX: 667
FICO 9 on 04/02/21 ~~ EQ: 678, TU: 683, EX: 691

Apple Card 1,500
Credit One Amex $1500
Williams Sonoma $1,250
NFCU CashRewards $2500
NFCU Flagship $12100
PenFed Pathfinder $10,000
Ollo Rewards Mastercard $1,700
Amazon Store Card (Synchrony) $700

EQ FICO 9 from NFCU on 04/03/21: 678
AAoA: EQ - 8y4mo, TU - 8y4mo, EX - 5yr7mo (as of 09/26/20); INQ are 5 EQ, 5 TU, and 1 EX.

Auto Refinance with NFCU (04/29/2021): 16.7k for 4.79%/48 months

My DPs: mainly 1099 worker w/ ~3500/mo income, 1 private student loan and 2 federal consolidated loans ~75k IBR, had perfect payment history with 0 derogs until 90 day lates prior to filing BK. Burned Sync (Carecredit, Newegg), Discover IT, Cap 1 (2 cards), Chase (2 cards), Barclays, Comenity (Wayfair) and Target.
Message 11 of 18
Mr_Mojo_Risin
Valued Contributor

Re: Apple Card Approval with BK7

That's so exciting! I'm happy to hear of your approval, congratulations!

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 12 of 18
kittycreditmeow
Frequent Contributor

Re: Apple Card Approval with BK7

Nice work! Congratulations on your approval! 🙂

Credit Cards, Loans & Store Cards





Bank and Credit Union Memberships


Available Credit - $10,600
Util: 16%. Inquiries: TU: 43 EX: 31 EQ: 22
Gardening Until: March 28, 2023
AaOA: 1 Year & 6 Months

Fico 8 Scores Current as of March 2021

Fico 8 Scores Post BK

Bankruptcy Discharged: November 1, 2019
Message 13 of 18
J-Marr
Valued Member

Re: Apple Card Approval with BK7

Congrats !

Message 14 of 18
TIPPY-BOB
Regular Contributor

Re: Apple Card Approval with BK7

Congratulations on your approval! 👏🎈🎉

Message 15 of 18
babygirl1256
Frequent Contributor

Re: Apple Card Approval with BK7

Congrats on your new Apple Card . . . it's ok to start low and build-up . . . you are in and that's awesome!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 04/2021: EQ-781, TU-781, EX-734
Goal FICO 8 Score in 06/2022: EQ-800, TU-800, EX-800
Message 16 of 18
Total80sKid
Valued Contributor

Re: Apple Card Approval with BK7

Congrats on the Apple approval!

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Message 17 of 18
Papa_Bear
Regular Contributor

Re: Apple Card Approval with BK7

Nice! Congratulations.






Message 18 of 18
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