No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
People have different views on bankruptcy and emotions surrounding this subject can become charged. This is just a gentle reminder that, while we don't have to agree with each other, we do have to be respectful. Play nicely...
@Gunnar419 wrote:
@mikey4833 wrote:This issue drives me crazy so I took action on it and we'll see how many people sign my petition to get creditors not to be able to use bankruptcy against you after 4+ years 1,000,000 signatures I'm going for. Citi Declined me for Citi Simplictiy catrd even after executive office review just because of a 4 year old bankruptcy its sickning. Here is the link to sign the petition. Edited
Wait a minute. Aren't you the guy who complained just today in another thread (http://ficoforums.myfico.com/t5/Credit-Cards/My-wife-just-applied-me-for-credit-one-and-the-last-dig... that your own wife was busily ruining your credit after the bankruptcy? And haven't you already said you have all kinds of other credit troubles?
Why don't you work on straightening these things out? Then you might be able to get good credit.
I think you won the award fro Troll Hunter of 2013, so far.
@blondy250 wrote:
@Gunnar419 wrote:
@mikey4833 wrote:This issue drives me crazy so I took action on it and we'll see how many people sign my petition to get creditors not to be able to use bankruptcy against you after 4+ years 1,000,000 signatures I'm going for. Citi Declined me for Citi Simplictiy catrd even after executive office review just because of a 4 year old bankruptcy its sickning. Here is the link to sign the petition. Edited
Wait a minute. Aren't you the guy who complained just today in another thread (http://ficoforums.myfico.com/t5/Credit-Cards/My-wife-just-applied-me-for-credit-one-and-the-last-dig... that your own wife was busily ruining your credit after the bankruptcy? And haven't you already said you have all kinds of other credit troubles?
Why don't you work on straightening these things out? Then you might be able to get good credit.
I think you won the award fro Troll Hunter of 2013, so far.
what does "troll" mean?
@blondy250 wrote:
http://en.wikipedia.org/wiki/Troll_(Internet)
did not know that,i know for sure that term was not around in my teen years.
thanks MAN.
I just think you need to give it time and I agree about freezing your reports. It has helped me SO much in refraining to app. If you can just let those inquiries fall off and new accounts age, you might find the Bankruptcy becomes less of an issue. At least when you go to recon, they will not be asking why you have a zillion inquiries. It makes you look desperate and pair that with a recent bankruptcy, your a big risk in their eyes. Bankruptcy gives a person the means to a fresh start, but it is not a miracle and it is not immediate. Just be patient.
BTW, Citibank denied me three times. I have no collections, never been late, and have never filed bankruptcy but the last denial they were uneasy about all my new accounts last year. Okay, I will try again at a later date.
Just garden and in time all will work out.
All I can say is good luck OP.
You have a situation that is very "unique".
I've seen someone file for bankruptcy several years ago. Before she did that though she maxed every card she and her husband had; she bought expensive items which they could later resell, went on vacation, and enjoyed life before losing their commercial building to the bank. They borrowed over 1 million and never paid back.
I'm sure everyone has a different story to tell but in my opinion, anyone with BK on their credit report should be treated the same. Credit discrimination? I say no, it's a fair treatment.