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Capital One forgave me after IIB

csl1
Contributor

Capital One forgave me after IIB

Hello everyone! I just wanted to share with those who may be worrying about whether they can re-establish old accounts with capital one after ch7bk that they really are forgiving. I burned them pretty badly in my filing... Two credit cards totaling 10k, both of which had been charged off and sent to court in preparation for suing me. My bk was discharged on 10/29/18, so I am just a few days shy of my 2 month anniversary. I had been checking for a pre-approval for weeks, but no luck. Finally, I decided to apply for a Quicksilver card (identical to the one I'd included in my bk) despite not having a preapproval, and to my utter shock, I was instantly approved for a $1000 limit. Don't be discouraged! The opportunity to get back on track really is out there. Good luck to all the rebuilders out there.

 

Edited to clarify that they approved me for a QS1; my old card was a QS. I didn't realize this until a few hours after I posted this. As we all know, there's a difference in credit tiers between the two products, but to be honest, I don't care. I'm still just glad to be back in with Cap1. Smiley Happy

☞ Credit Cards: NFCU AmEx, NFCU Visa Signature, PenFed Pathfinder Visa, Discover It, Citi BB Visa, Paypal MC, PayPal Store Card, CareCredit, Cap1QS1
♛ Total Credit Lines: $42,550
⚖ Chapter 7 Discharge: October 2018
☼ Credit Scores: Mid to High 600s
☮ Gardening Since July 4, 2021

7 REPLIES 7
3se7ens
Frequent Contributor

Re: Capital One forgave me after IIB

That's actually pretty amazing. Congrats!! Smiley Wink

EQ.-743  |  TU.-736  |  EX.-706

Message 2 of 8
PlasticDad
Frequent Contributor

Re: Capital One forgave me after IIB

CapONE rocks! Way to go to start the New Year Congrats! Smiley Happy








"Give me liberty, or give me credit!" -PlasticDad


Message 3 of 8
_NERD
Established Contributor

Re: Capital One forgave me after IIB

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3B profile optimization in progress...
Message 4 of 8
Nova5041
Frequent Contributor

Re: Capital One forgave me after IIB

Awesome, congrats on getting back into Capital One!


BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 5 of 8
StartingOver2018
Frequent Contributor

Re: Capital One forgave me after IIB

Wow! Good to know.
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa CLOSED by me May 2020!! :-)($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000 now $2500) Jan. 2019
Target RedCard ($500 at 4 months $800 six months later $1900) April 2019
Venus Comenity ($500 now $1500) May 2019 no HP
Ann Taylor Loft MC ($1000) June 2020 no HP
Overstock ($350 now $2350) June 2020 no HP


FICO 8 SCORES: 06-04-2020633 TU656 EX652 EQ
Message 6 of 8
19eighty5
Senior Contributor

Re: Capital One forgave me after IIB

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 7 of 8
padme
Established Contributor

Re: Capital One forgave me after IIB

thats so awesome

Message 8 of 8
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