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BK7 Pre-90 Day DC Approvals

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CreditMagic7
Mega Contributor

Re: BK7 Pre-90 Day DC Approvals


@Applepro1990 wrote:

Congrats on your approvals. It certainly is not the end of the road. I am over three years post discharge and have had many approvals and increases since. Good luck on your journey. 


Thank You @Applepro1990 

 

Best of even more luck to you going along the farther that your profile distances away from a most disappointing setback as a BK.

Message 41 of 54
CreditMagic7
Mega Contributor

Re: BK7 Pre-90 Day DC Approvals

Final day (today) of pre-90 days since DC. Am done with the cram session and new accounts can now ALL grow together.

 

Pulled a single TU HP for Instant Approval. I assume at some point in 2021 it may increase some. (10) TU HP's on record with this.

 

KOHLS-1.jpg

 

 

 

Message 42 of 54
JR_TX
Valued Contributor

Re: BK7 Pre-90 Day DC Approvals

Congrats on your wave of approvals @CreditMagic7 !

Sorry to hear about the ordeal you went through with this pandemic but from one BK'er to another.... 

You'll be back on top before you know it!! 

New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 8y1m | UTIL 1% - 4% | $300K+ Total Limits

Message 43 of 54
KELSTAR
Regular Contributor

Re: BK7 Pre-90 Day DC Approvals

Filed for BK7 on February 26?????

 

Not many cases of COVID at that time in the USA.

 

From January 21 through February 23, 2020, public health agencies detected 14 U.S. cases of coronavirus disease 2019 (COVID-19), all related to travel from China (1,2). The first nontravel–related U.S. case was confirmed on February 26 in a California resident who had become ill on February 13 (3). Two days later, on February 28, a second nontravel–related case was confirmed in the state of Washington (4,5). 

 

Would like to know how Covid caused the BK7. Were you living in Wuhan?

Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
Message 44 of 54
CreditMagic7
Mega Contributor

Re: BK7 Pre-90 Day DC Approvals


@JR_TX wrote:

Congrats on your wave of approvals @CreditMagic7 !

Sorry to hear about the ordeal you went through with this pandemic but from one BK'er to another.... 

You'll be back on top before you know it!! 


Thanks @JR_TX 

 

While's its a tackling of a whole different rearranging of one's profile (long established), it's of comfort that the members here offer such gainful & helpful support with cheerful encouragement. The wounds of this nature bounce back only with time. And those are counted in years.

Message 45 of 54
CreditMagic7
Mega Contributor

Re: BK7 Pre-90 Day DC Approvals


@KELSTAR wrote:

Filed for BK7 on February 26?????

 

Not many cases of COVID at that time in the USA.

 

From January 21 through February 23, 2020, public health agencies detected 14 U.S. cases of coronavirus disease 2019 (COVID-19), all related to travel from China (1,2). The first nontravel–related U.S. case was confirmed on February 26 in a California resident who had become ill on February 13 (3). Two days later, on February 28, a second nontravel–related case was confirmed in the state of Washington (4,5). 

 

Would like to know how Covid caused the BK7. Were you living in Wuhan?


Would appreciate not rubbing salt into the wounds but if one must insist, some of the freight/carrier industry (of which is critical to my occupation) with fore contact with persons at various east coast receiving harbors, already experienced the handwritings on the wall well before any so called official public announcements.

 

Jan. 28: 'Monitoring' since December

Alex Azar, secretary of Health and Human Services and chairman of the coronavirus task force, told reporters during a press briefing that the U.S. has "been monitoring this virus and preparing a response since back in December."

Jan. 30: WHO declares global health emergency

The World Health Organization declared the coronavirus outbreak to be a "public health emergency of international concern." Dr. Tedros Adhanom Ghebreyesus, director-general of the WHO, praised China for its quick response to the crisis, saying the emergency declaration "is not a vote of no confidence in China."


Alex Azar, secretary of Health and Human Services and chairman of the coronavirus task force also announced a temporary suspension of entry into the United States of foreign nationals who had been in China in the previous 14 days. The ban was effective Feb. 2.

 

Previously, the first U.S. death had been thought to occur Feb. 29 outside Seattle. The autopsy findings revealed that the virus may have been spreading in U.S. communities earlier than previously known. The two people died during a time when very limited testing was available only through the CDC, and the agency's testing criteria restricted testing to only individuals with a known travel history and who sought medical care for specific symptoms.

 

 

At the risk of suddenly turning this thread into a political argument i prefer to refrain from posting supporting links. If that is the direction your reply insists upon please raise those conflicts in the appropriate subforums.

 

This is the Credit Card Approvals section thoughfully supporting members sharing their approvals and/or other data points of interest for others in a helpful manner.

 

Thanks

Message 46 of 54
Caliboy97
Contributor

Re: BK7 Pre-90 Day DC Approvals

Seeing you got a Capital One platinum card I was surprised they were let me get one.

 

i included them in the chapter 7 bankruptcy I filed and was discharged on September 21st and they let me get a Cap1 platinum card on October 18th.

 

Also added Navy Fed secure card and OpenSky secure card which seem to be fairy easy to get for most people. 

Bankruptcy Discharge 9/21/2020
Starting Scores

May Update (Moving)

Slow and Steady Rebuild. Around 15K in revolving credit at 2% and 45K Auto Loan! Hoping to start upping those limits over time.
Capital one Platinum and Quicksilver | Kia Financial 49K auto loan | Navy Fed Secure Card | OpenSky Secure Card | Schools First FCU Card | Grain account | KikOff Loan and credit account | Student Loans Perfect history 16K left
Message 47 of 54
CreditMagic7
Mega Contributor

Re: BK7 Pre-90 Day DC Approvals


@Caliboy97 wrote:

Seeing you got a Capital One platinum card I was surprised they were let me get one.

 

i included them in the chapter 7 bankruptcy I filed and was discharged on September 21st and they let me get a Cap1 platinum card on October 18th.

 

Also added Navy Fed secure card and OpenSky secure card which seem to be fairy easy to get for most people. 


I was equally surprised, but by the fact that they issued a preapproval for it a week in advance, and Instantly Approved the very same day the DC went Legally Official.

 

I DID NOT include them and in fact at time of Filing had a $41K Card with them with no balance that of course went P00F.

 

 

Message 48 of 54
pc01user
Frequent Contributor

Re: BK7 Pre-90 Day DC Approvals

Congrats! Just got BK7 discharged 10/16/20, filed 7/7/20. Your story inspires me!

Just received a Capitol One prequalified letter today in the mail. Was looking on the forum

to see if I should pull the trigger so soon. Got my answer.

Message 49 of 54
CreditMagic7
Mega Contributor

Re: BK7 Pre-90 Day DC Approvals


@pc01user wrote:

Congrats! Just got BK7 discharged 10/16/20, filed 7/7/20. Your story inspires me!

Just received a Capitol One prequalified letter today in the mail. Was looking on the forum

to see if I should pull the trigger so soon. Got my answer.


Thank You @pc01user 

 

The most difficult part is trying to regain some footing and you MUST start trying. The sooner the better.

 

Wishing you the best forging ahead after the setback into future prospects of reestablishing.

Message 50 of 54
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