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Approvals after Chapter 7 Discharge

MoBra
Established Member

Approvals after Chapter 7 Discharge

Discharge was in 3/2021

Dell Financial- $5000 pulled Experian - March 2021 Fico 615

Williams and Sonoma- $1500 (SCT)- May 2021 Fico 615

Pottery Barn- $1000 (SCT) - May 2021 Fico 615

Lexus - Preapproved for $2500 -May 2021 Didn't follow through Fico 630

Toyota - Preapproved for $1500 -May 2021 Didn't follow through Fico 630

Spirit Mastercard (Mailed me 3 preapproval letters for $2500 limit) card will arrive in 7 to 10 days - May 2021 No Hardpulls Fico around 615 at offer

 

Ollo Mastercard (Mailed me 2 preapproval letters no limit icluded) $2000 card will arrive in 7 to 10 days- May 2021 Pulled Experian and Transunion Fico 615 at time of offer.

 

I haven't applied for anything that's not listed. Everything in my signature is prior to bankruptcy. 

 

 



Credit is like my best friend and biggest heart break

Message 1 of 20
19 REPLIES 19
CreditAggie
Senior Contributor

Re: Approvals after Chapter 7 Discharge

Congratulations on your approvals!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 2 of 20
MoBra
Established Member

Re: Approvals after Chapter 7 Discharge

Thank you! 



Credit is like my best friend and biggest heart break

Message 3 of 20
KingRue8500
Regular Contributor

Re: Approvals after Chapter 7 Discharge

Congrats on all of your approvals

Current Cards:


Message 4 of 20
babygirl1256
Valued Contributor

Re: Approvals after Chapter 7 Discharge

Congrats on your approval sress after your Chapter 7 discharge.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 5 of 20
MoBra
Established Member

Re: Approvals after Chapter 7 Discharge

Thank you!!!!!



Credit is like my best friend and biggest heart break

Message 6 of 20
James_A
Valued Contributor

Re: Approvals after Chapter 7 Discharge

You've been busy! Smiley Wink Congrats! on those nice approvalsSmiley Happy & thanks for the DPs.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 7 of 20
Total80sKid
Valued Contributor

Re: Approvals after Chapter 7 Discharge

Congrats on your success and approvals since discharge! 👍🏼

Message 8 of 20
MoBra
Established Member

Re: Approvals after Chapter 7 Discharge

Thank you and yes after a bunch of reading you learn how important the data points are !



Credit is like my best friend and biggest heart break

Message 9 of 20
Elpadrino1
Contributor

Re: Approvals after Chapter 7 Discharge

Congrats on your approvals!

Message 10 of 20
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