My bk7 discharge was August 14th 2019. My question is I burned them for like 1200$ total between a Discover Miles and IT Card. I prequal alot since it is just a soft hit. and they always never have offers due to status of prior discover card. When should this ease up? Ive seen posts for approvals on here for people that iib them for thousands and getting back with them after like two years. It just seems kinda random esp since ive reestablished good credit. Any advice?
@Remedios wrote:I have never seen Disco approving after only a few years if they were included in BK, they have a longer memory than most.
Maybe they will approve you for a secured card at some point, but until then, that message will keep popping up .
A few approvals that did happen were a few years after paid charge off.
https://ficoforums.myfico.com/t5/Bankruptcy/Discover-Card-after-BK/td-p/5088906
@Anonymous514 wrote:
@Remedios wrote:I have never seen Disco approving after only a few years if they were included in BK, they have a longer memory than most.
Maybe they will approve you for a secured card at some point, but until then, that message will keep popping up .
A few approvals that did happen were a few years after paid charge off.
https://ficoforums.myfico.com/t5/Bankruptcy/Discover-Card-after-BK/td-p/5088906
@Anonymous wrote:Hi KB109,
No I did not burn them in BK.
That user never burned Discover in the first place. See message #5 in your linked thread.
@jj10939 wrote:I was approved for Discover I want to say 27 months post BK7. I tried to find my post but couldn't locate it. Discover was IIB so it can be done. I kept checking the pre-qual site on a monthly basis until it finally provided an offer.
I've since been approved for a second card.
Maybe I'm a unicorn because I also got back in with Barclays after burning them in BK. 🤷🏼♂️
Unicorn for sure because Barclays is well known to ban you for life if you burn them.
