Hey All,
Exactly 5 years to the day that I FILED for BK7, not discharged, I received the approval below after checking the pre-approval link. Burned them for $5,000. FICO 8's via MyFICO are: EQ: 684 TU: 679 EX: 678. Less than 10% util currently and technically ~4% once payments hit the bureau's. I have had the most structured rebuild possible, and my scores feel kinda low given all the details, but I think it will change drastically at the end of this year because all of the lates from before the BK will fall off entirely due to 7 years. Hoping I can hover around 740-760 until my BK goes away but still have 5 more years for that.
Hope this info helps someone!
Edit: Sorry, some more info: Income: $130k. Have mortgage ($180k remaining), car loan ($30k remaining), and about 10 CC's but most unused and the 4-10% util is all 0% interest cards.
Starting Score: EQ: 383 2/2011
Congrats on the approval! I burned Discover for roughly $3k and also got back in, but it was 9yrs after DOFD and 4yrs after filing. Since it was my first card in the rebuild I had to start with a secured card.
Congrats; thanks for the DPs.
Congrats to you on being able to gain approval again with Discover. Thank you for the data points as well. I have been discharged over 6 years now I burned them for 12K and still can't even get a secured card due to "prior account status" so i continue to wait but it is strange how it varies so greatly for each person when it comes to getting back in with Discover.
Glad you did and Congrats again 
Thank you! That is why I share/think the DP's are very important. I can tell you I applied even without the pre-approval a few months back and was declined. The more data we collect, the more we can understand....maybe $10K is their "you're dead to us." amount? We can only know if we share! I am happy to be back in with them as it is somewhat of a staple card - and I am going to BURN UP that 100% cash back match, lol.
I didn't burn AMEX, but they still won't have me. Chase will not either. Those are the painful ones but I have over $100K in credit without them.
