SchoolsFirst FCU 3 approvals 18 months post BK

[SUPERSQUID]

CONGRATS!!!!!

Is that a bk7 or a bk13?

[babygirl1256]

Congrats on your SchoolsFirst FCU triple approval.

[CYBERSAM]

Congrats on your approval!🤑👍

[Caliboy97]

It is a chapter 7 BK

[everest]

Congrats on your SchoolsFirst approval! 🎉

[fm92555]

---

@Caliboy97 wrote:

What's up guys! SchoolsFirst has treated me good since I have discharged in 2020. They started me out with a unsecure card one month post bankruptcy. 6 months later I got a 2K increase. Yesterdays, I decided to ask for a 4K credit limit increase, car loan refinance, and a 8k personal loan. All 3 were approved on one credit pull. For increases they do a hard pull but you have 60 days to use the credit pull for any of their products.

---

Congratulations! They are a solid credit union. Over time you can build those limits.

[Rdbeetle]

Congrats on your approvals! I'm a Schools First FCU member also, and so far they have been really great with me too.

[NalekSok]

Good job! Congratulations on your CLI and approvals!

[CornChipPaws]

Did you burn schools first in your bk?

I'm primarily doing chapter 7 because a family member added me on to their credit card application as a joint but told me they just added me on as an authorized user. So now $20,000 in the hole. Schools first flat out said they won't sue me for it but I can't wait 7 years looking like I have 110% usage on a card like that. From my understanding if they've been burned they won't let you open any other accounts (they closed my other cards that were in perfect standing). 
ty 

[Antredd]

---

@Caliboy97 wrote:

What's up guys! SchoolsFirst has treated me good since I have discharged in 2020. They started me out with a unsecure card one month post bankruptcy. 6 months later I got a 2K increase. Yesterdays, I decided to ask for a 4K credit limit increase, car loan refinance, and a 8k personal loan. All 3 were approved on one credit pull. For increases they do a hard pull but you have 60 days to use the credit pull for any of their products.

---

Congratulations. I do my primary banking with SchoolsFirst, and have been a member since 2011. My check is direct deposited into my checking account.  However, they weren't as nice to me when I have applied for credit after my BK in 2012. At the time, I didn't have one of their credit cards, nor did I ever bounced a check with them. Thinking that I never bounced a check, never burned a credit card with them, and having a high income salary would benefit me.

I didn't do what you did either by getting a secured card with them to establish my credit with them. What a smart move you did.

I was approved for overdraft protection thinking that would be a way to get approved for one of their credit cards. Even when I applied for credit after getting approved for their overdraft, they still declined me, even though I, at the time was earning $90k. 

I would sometimes transfer my 1000 limit over to my checking account just to pay it off in full before the due date. I finally got the nerve to apply for their mastercard last year, and was finally approved for $1K credit limit, even though my other credit union credit card had a $12k credit limit. 

About a month ago, I asked for a CLI and they finally gave me $5K CL after my BK aged off and requesting a hard pull.