My Credit Card Life is Complete (for now)!

[kberly69]

I was discharged from Chapter 7 BK almost 8 months ago and have been rebuilding as hard as I can. My scores are just shy of 700 across the board. I've been able to get a Platinum Capital One ($3800), a QS ($10K), a decent auto loan (4.24%), some store cards, Blispay ($4K) and had decided my last goal before gardening was to get a Discover. I have been checking the prequal with nothing but the wide range and was hoping to see a mailer or more narrowed interest rate online around my year after discharge mark. Lo and behold, in today's mail was a beautiful pink sparkly envelope and I was approved for $4K.!  I find it a little strange that I received no email from them or an alert for a credit pull but the approval page told me to look for the card and info in 5-7 days.

Now to age like a fine wine and work on a mortage in 2018.....

[Gidgetmom]

Congrats!  That's awesome!

[Spotsy]

Can you confirm that you were discharged from BK7 in 10/2016...discharged meaning that is when the courts approved the clearing of all of your debts...and in early 2017 your FICO scores are in the upper 600s?  When did you file?

[Anonymous]

That is Superb! Congrats on Discover!! It's always awesome when things fall in line like that.

I'm currently in the garden. When I received a Discover mailer recently I just thought to myself how cruel it was to get it. Oh Discover how you taunt me.

[AverageJoesCredit]

Wow from discharge to almost 700 in 8 months. Impressed. Getting Disco is icing on the cake especially with less than a year old bk. They must really like you. Well done

[kberly69]

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@Spotsy wrote:

Can you confirm that you were discharged from BK7 in 10/2016...discharged meaning that is when the courts approved the clearing of all of your debts...and in early 2017 your FICO scores are in the upper 600s?  When did you file?

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Yes, I was discharged 10/6/1 and filed 5/31/16. I think my scores are doing so well because I waited so long to file BK. All of my financial woes were due to divorce in 2012 and I kept thinking I might magically some day be able to take care of my debt. I was also choking on the idea of paying $1800 for an attorney ( I finally decided to go pro se and it worked perfectly for me). For some reason, a few of my neagtive accounts aren't on my credit reports (they were before filing). The remaining have dates of original delinquency over three years ago. I also incurred medical debt that was never placed on my reports. I have a foreclosure as well, but that's also somewhat aged. I have a few pre-BK positive items as well (credit card, mortgage, car loan). I think all of these things have contributed to a fast rebound for me. I know I won't be getting the best rates, a mortgage, or be allowed to get certain credit cards yet, but as of today, I have been able to do way more than I anticipated at this stage. 

[kberly69]

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@Anonymous wrote:
That is Superb! Congrats on Discover!! It's always awesome when things fall in line like that.

I'm currently in the garden. When I received a Discover mailer recently I just thought to myself how cruel it was to get it. Oh Discover how you taunt me.

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I read somewhere here that the envelope was pretty, but geez, it was like a mesmerizing little pink jewel. They knew how to catch my attention!

[kberly69]

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@AverageJoesCredit wrote:
Wow from discharge to almost 700 in 8 months. Impressed. Getting Disco is icing on the cake especially with less than a year old bk. They must really like you. Well done

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Thanks! I read somewhere that 8 months post discharge was a potential point of love from them. I guess it's true!

[Total80sKid]

Awesome! Congrats!!

Discover is one of two cards I ultimately want to add to my collection. 😀

[Anonymous]

awesome! congrats!