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Help in completing the final step in rebuild?

morgacj2004
Valued Contributor

Help in completing the final step in rebuild?

So I am a couple of months away from 7 year mark on my BK (chapter 7). I have so far been denied by CITI (other than the co branded cards, Sears, Costco etc). CHASE is always no except for the lousy $500 CL they gave me on the Amazon card which I closed after more than 1 year with no CLI. Pretty much in with most other lenders. AX always approves me ( member since 1989) but lately won't give me any new bonuses. Yes I get the dreaded message. I have 200-250k available credit with approx 6% UT no baddies since 2012. Scores range from 698-730. Around 20/24. Most new accounts are from 2017 and 2018. Have slowed down a lot. How long before CITI and CHASE forgive the BK? Should be at or under 5/24 in 12-15 months. Wife will be there sooner and has almost identical profile with slightly higher scores. Any other ideas until those 2 lenders come around ? Neither included in BK. My current lenders are Discover, AX, NFCU, Penfed, Comenity, Synchrony, US Bank, Barclays, BofA, AK USA, Cap One, TD.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 1 of 7
6 REPLIES 6
FireMedic1
Super Contributor

Re: Help in completing the final step in rebuild?

There have been a few exceptions. But count on as long as the BK is on your file. Chase and Citi are really no go's.






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. Help fellow members accomplish the rebuild when you do it right and play the FICO Credit Game.
Message 2 of 7
Medic981
Valued Contributor

Re: Help in completing the final step in rebuild?


@FireMedic1 wrote:

There have been a few exceptions. But count on as long as the BK is on your file. Chase and Citi are really no go's.


+1

 

Until your BK comes off your CRs, Chase and Citi will continue to treat you like a redheaded stepchild.

















Your FICO credit scores are not just numbers, it’s a skill.

Message 3 of 7
FireMedic1
Super Contributor

Re: Help in completing the final step in rebuild?


@Medic981 wrote:

@FireMedic1 wrote:

There have been a few exceptions. But count on as long as the BK is on your file. Chase and Citi are really no go's.


+1

 

Until your BK comes off your CRs, Chase and Citi will continue to treat you like a redheaded stepchild.


Thought it was a junk yard dog! Smiley Very Happy






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. Help fellow members accomplish the rebuild when you do it right and play the FICO Credit Game.
Message 4 of 7
morgacj2004
Valued Contributor

Re: Help in completing the final step in rebuild?

I can remember when @Scupra got a Chase card just a few years after BK I think it was the Freedom but dont quote me. Also saw a few people get the CITI DC but few and far between. I guess I will have to start hounding the 3 CB to remove my BK early Lol on that.


AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 5 of 7
Scupra
Super Contributor

Re: Help in completing the final step in rebuild?

Long time no see @morgacj2004 I still haven't been able to get Citi to give me a CLI on my Costco card, I think we are stuck here until the BK is gone.

With Chase I went after the Freedom first, was given a $500 SL and shortly had it raised to $5k. After that I obtained the CSP at $5k as well. Both took a considerable amount of smooth talk and brown nosing in the form of a recon Smiley Happy I don't like taking no for an answer and have always believed in at least asking.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 6 of 7
morgacj2004
Valued Contributor

Re: Help in completing the final step in rebuild?

Nice to hear from you again I have been busy with work and other duties. Well you have had better luck than me. My CITI Costco card came with a 9.5k CL so I have never asked for more . CHASE even turned me down for the Starbucks card

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
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