discover

[juggalo9er]

23 months post chapter 7 discharge and i am wondering if there would even be a purpose of apping any discover product? my utilization is around 30% scores are in signature and i have 0 lates since bk. To add to this i have 2 inquiries on all reports 1 of which is less than a month old the other is around 3 months. Yes there are other inquiries but they are all better than a year old.

[myjourney]

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@juggalo9er wrote:

23 months post chapter 7 discharge and i am wondering if there would even be a purpose of apping any discover product? my utilization is around 30% scores are in signature and i have 0 lates since bk. To add to this i have 2 inquiries on all reports 1 of which is less than a month old the other is around 3 months. Yes there are other inquiries but they are all better than a year old.

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How many INQ's even tho they're over a year old it could still be a factor not scoring wise but a factor still

Total across all 3 ...EX TU EQ

[juggalo9er]

tu  5 eq 4 ex 4 the tu is thanks to barclay lol

[09Lexie]

IMO, discover, like Amex is not bk friendly. I think you need a few more years

[juggalo9er]

does their pre approval site mean anything at all?

[starry1]

I have seen maybe two reports of getting in with discover around the 2-3 year post bk discharge. I assume their reports are completely clean outside of the bk. I agree with lexie that they're not very bk friendly with rare exceptions.

[myjourney]

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@juggalo9er wrote:

tu  5 eq 4 ex 4 the tu is thanks to barclay lol

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I would wait 2 reasons 

Not BK friendly and borerline INQ's wise 

You maybe approved but with a very small limit and Discover is not very recon friendly either

[juggalo9er]

ty both...not wasting the inquiry