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When will USAA let me back in?

tussking
Established Contributor

When will USAA let me back in?

Anyone have experience getting CC's after BK7. It's now been 5 years and 7 months since my BK7. I tried almost a year ago no luck.

Discharged BK7 - 7.16.15
Current Fico8 - (4.6.21) EX - 690/EQ - 705/TU - 709
Total CL - $255,000.
700+ FINALLY!
Message 1 of 9
8 REPLIES 8
FinStar
Moderator

Re: When will USAA let me back in?

Was USAA IIB?

Message 2 of 9
tussking
Established Contributor

Re: When will USAA let me back in?

Yes sir!

Discharged BK7 - 7.16.15
Current Fico8 - (4.6.21) EX - 690/EQ - 705/TU - 709
Total CL - $255,000.
700+ FINALLY!
Message 3 of 9
K-in-Boston
Moderator

Re: When will USAA let me back in?

Message 4 of 9
BobbyJ
Frequent Contributor

Re: When will USAA let me back in?

Hello, I included USAA in my BK7 back in Oct 2013 and was able to get back in and get the USAA Preferred Cash Rewards Visa for $5K on 1/15/2019.  I also had access to my checking and savings account for a few years before the credit card approval but never used them as my primary bank.

Hang in there because there is hope to get back in with USAA.

Fico 8 Scores: EX: 751 (2/12/21) EQ: 753 (2/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | BBVA Plat Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 5 of 9
tussking
Established Contributor

Re: When will USAA let me back in?

Interesting thanks you got it 5.5 years post BK7 which is where I am at now.

How do you have a 799 score with a BK7 still reporting?

Discharged BK7 - 7.16.15
Current Fico8 - (4.6.21) EX - 690/EQ - 705/TU - 709
Total CL - $255,000.
700+ FINALLY!
Message 6 of 9
BobbyJ
Frequent Contributor

Re: When will USAA let me back in?

When my BK7 was filed I was able to still have 7 accounts open and reported positively.  Also there were no accounts that were ever reported late before after the bankruptcy which also helped. I also had 2 refinanced mortgages.

Fico 8 Scores: EX: 751 (2/12/21) EQ: 753 (2/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | BBVA Plat Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 7 of 9
BobbyJ
Frequent Contributor

Re: When will USAA let me back in?

BTW, 12 remaining accounts that were IIB fell off my reports in October 2020.

Fico 8 Scores: EX: 751 (2/12/21) EQ: 753 (2/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | BBVA Plat Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 8 of 9
AlmostNJ
Contributor

Re: When will USAA let me back in?

@tussking wrote:

Anyone have experience getting CC's after BK7. It's now been 5 years and 7 months since my BK7. I tried a year ago no luck.


The answer for me and my daughter were yes.  I burned them for 2 credit cards over 20K.  I just pay a nominal amount every week.  They both aged off my credit report. They have given me 2 new credit cards and a car loan.

My daughter filed bankruptcy and they allowed her back in.  

 

Good luck!

Message 9 of 9
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