I was 5 months post 7 BK disch. When I applied I got the 7-10 day letter and thought, "Well, that's a no". Phone rang about 10 min later and lo and behold it was the nicest woman from Barclays wanting to verify if I had applied. I confirmed that I had and she verified some info. She was able to approve a small starting line of $500, which I was rather impressed with when I later realized they pulled TU. This is the lowest of my scores (by nearly 40 points) TU was a 595. I had about 8 inq on my record (5 from from a car purchase right after discharge) Hope this helps 'big picture'-wise for someone.
BK7 -9/15 Starting EQ-571 | TU-528 | EX-572 ---> July '24- Fico8: EQ-754 | TU-759| EX-753 Fico9: EQ-799| TU-813 | EX-806
Amazon Store 10,000 * Apple Card-GS 12,000 * Barclay View 11,400 * Citi Costco Visa 8,100 * * Citi BB Visa 10,000 * Citi Strata Premier 8,900 * Discover 8,100 * Discover Miles 14,500 * Eddie Bauer 4,000 * Home Depot 10,000 * HSN 10,000 * Kohls 3,000 * NFCU Flagship 30,000 * NFCU AMEX 25,000 * PenFed Gold 12,500 * Sam's Club MC 20,000 *Wells Fargo Platinum 1,100 * Wells Fargo Autograph 20,000 * Wells Fargo Reflect 10,000
Total CL $229,300 Util% >1% AAOA: 62 Mo
