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Capital One forgave me after IIB

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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, Truist Enjoy Cash, Discover It, Capital One SavorOne, Citi BB Visa, Paypal MC, PayPal Store Card, CareCredit, Cap1QS1
♛ Total Credit Lines: $52,750
⚖ Chapter 7 Discharge: October 2018
☼ Credit Scores: Mid to High 600s
☮ Gardening As of May 13, 2022

7 REPLIES 7
3se7ens
Frequent Contributor

Re: Capital One forgave me after IIB

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

As of 3/2022


EQ.-721  |  TU.-731  |  EX.-708


Top Cards:


AmEx Gold - $10,000 POT. BofA Americard $17,000 NFCU CR. $16,000 NFCU Plat.$15,000 FNBO Visa $14,800


Disco Miles $14,000 Chase FU $13,900 USAA Signature $13,000  PayPal MC $10,000 


Macy's AmEx $25,000 Macy's AmEx (upgraded) $25,000

Message 2 of 8
Anonymous
Not applicable

Re: Capital One forgave me after IIB

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

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
Anonymous
Not applicable

Re: Capital One forgave me after IIB

Wow! Good to know.
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 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


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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