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Latest info on USAA CC's after BK in which they weren't included?

UncleB
Moderator

Re: Latest info on USAA CC's after BK in which they weren't included?


@pizza1 wrote:

@FinStar wrote:
IIRC, I believe BK has to be off your CRs before they can consider, unless their BK policy has changed.

I recall @pizza1 having some DPs on USAA, but don't know how long ago or recent those were.

7 years is their policy, and they completely wipe the slate clean from their system. I had "heard" of someone who got in after 5 years, but was skeptical, so 5-7 yrs post DC.  I have been trying for the past 2 years and Im instantly declined every time, and immediately counter offered the secured card, which I decline. I still try though, lol..


@pizza1 definitely has the scoop on USAA!  Smiley Very Happy

 

Just to clarify, is the seven-year wait just for those who included USAA in BK, or is that for anybody in general with a BK but who didn't include USAA?

Message 11 of 16
joe8185
Valued Contributor

Re: Latest info on USAA CC's after BK in which they weren't included?


@UncleB wrote:

@pizza1 wrote:

@FinStar wrote:
IIRC, I believe BK has to be off your CRs before they can consider, unless their BK policy has changed.

I recall @pizza1 having some DPs on USAA, but don't know how long ago or recent those were.

7 years is their policy, and they completely wipe the slate clean from their system. I had "heard" of someone who got in after 5 years, but was skeptical, so 5-7 yrs post DC.  I have been trying for the past 2 years and Im instantly declined every time, and immediately counter offered the secured card, which I decline. I still try though, lol..


@pizza1 definitely has the scoop on USAA!  Smiley Very Happy

 

Just to clarify, is the seven-year wait just for those who included USAA in BK, or is that for anybody in general with a BK but who didn't include USAA?


I'd like to know that myself. If it applies to all people with BK's, then I'll have to wait until late 2021.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 12 of 16
cooter1
Member

Re: Latest info on USAA CC's after BK in which they weren't included?

I can tell you that I filed Chapter 13 (8/13/12) I was discharged on (2/12/18) will sit on report until (8/13/19). I applied last week and was approved for a Visa with $1000. I know you did Chapter 7, hopefully it will work out in your favor.

Message 13 of 16
joe8185
Valued Contributor

Re: Latest info on USAA CC's after BK in which they weren't included?


@cooter1 wrote:

I can tell you that I filed Chapter 13 (8/13/12) I was discharged on (2/12/18) will sit on report until (8/13/19). I applied last week and was approved for a Visa with $1000. I know you did Chapter 7, hopefully it will work out in your favor.


Thanks. Looks like you got in at the 6-year mark for Chapter 13, did you previously have a credit card with USAA?

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 14 of 16
cooter1
Member

Re: Latest info on USAA CC's after BK in which they weren't included?

No just auto insurance. I also applied with PenFed the same day and was approved for a 7500 visa and a 500 overdraft. My scores were Eq-648, Trans-648, Ex-619

Message 15 of 16
joe8185
Valued Contributor

Re: Latest info on USAA CC's after BK in which they weren't included?

I have auto and renter's insurance through USAA too. They weren't affected by my bankruptcy, which is a Good Thing because I'm given to understand that USAA was formerly in the habit of kicking you out of your insurance policies once they found out you had filed BK.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 16 of 16
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