Synchrony get back in timeframe

MyDataMyChoice · ‎03-03-2020

what is the soonest someone has gotten approved for a synchrony account after a bankrupty

they were included in bankruptcy (actually was charged off and sold to midland funding or portfolio recovery prior)

when I call Lowe's or amazon the system still thinks I have an account and routes me to the debt department for 1099c/bankruptcies etc. tells me it was sold to a debt buyer

it's been 14 months since BK filed

and charged off over 24 months ago

November 2023 - Home Depot Credit Card SL $500

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

TattnallTrio · ‎03-03-2020

Speaking from my experience, 2 years and 2 months post Discharge.
I was auto declined even for the Amazon Secured Card and they wouldn't pull credit either.
I finally knew I could get an account when I noticed they actually tried pulling my credit. I keep all 3 bureau's frozen unless I'm truly applying.

2 and a half years Post Discharge, I was Approved for Sam's Club $500 but denied PayPal Extra's MC due to too many inquiries.

TattnallTrio · ‎03-03-2020

You didn't ask but I'll volunteer:

Target approved me about a year after discharge

Discover, Credit One and Barclays are still mad with me lol

I was also able to prequalify for the $0 Annual Fee Indigo Mastercard. It only comes with a $300 limit and never increases.