Yeah, setting a garden goal for something you could probably acquire right now if not afoul of 5/24 doesn't seem righteous, and if you're not 5/24 and you want the Freedom I'd just put the app in now and then let everything age together towards that BK dropping off.
If I remember correctly, Chase denies applications when a bankruptcy is on one's report and recon very rarely helps.
Did that change? I thought Chase 8 years post BK opened back up again even for people who included them in IIB? I could be misrembering.
Haven't been paying that much attention to underwriting standards but it's a good point regardless.