• RELEVANCY SCORE 3.75

    DB:3.75:New Program For Those With Bk: Chase Freedom Approval sj





    Good afternoon all,

    I recently heard from my friend's finance who is a Chase personal banker that within the past few weeks Chase launched a new program that helps those with BK get approved for their Chase Freedom card. I received an email from the Chase employee saying to come in and they have a new credit rebuilder program that will approve me for a Chase Freedom card with the override approval code provided from Chase corp. I know she wouldnt lie or exaggerate this (standing up in the wedding) to me but Ive never heard of such a thing. I tried doing some research on Google but cant find anything on this new program. Can anyone shed some light? Seems to good to be true as I have done backflips so far to get a descent unsecured card so far.

    DB:3.75:New Program For Those With Bk: Chase Freedom Approval sj


    is this offered in their branches only?




    Credit Karma - 636 8-12-12 USAACredit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)Clean Up Mode - Goal - No New Apps till 6/2013

  • RELEVANCY SCORE 3.14

    DB:3.14:Chase Or Boa Or Citi; 9 Years Post Bk jk





    My credit currently sits ~ 740. I got Discover IT and the Duck Card the same day about this time last year. I have ZERO inquiries and it's time to build the credit portfolio. What do you all suggest as my next card. If I had a purpose for a new card it would be to lower utilization. Currently i have about 18,000 in credit. I've decided on Chase, BOA, or Citi. I'm leaning towards Chase. No history with them. I believe Citi was in my previous BK, not for much though. BOA is the most BK NOT friendly, or at least so i've read here. With that being said, what do you all think. Once again, I'm 9 years post BK. Should fall off this October. Thanks for your help.

    DB:3.14:Chase Or Boa Or Citi; 9 Years Post Bk jk

    jwright343 wrote:
    My credit currently sits ~ 740. I got Discover IT and the Duck Card the same day about this time last year. I have ZERO inquiries and it's time to build the credit portfolio. What do you all suggest as my next card. If I had a purpose for a new card it would be to lower utilization. Currently i have about 18,000 in credit. I've decided on Chase, BOA, or Citi. I'm leaning towards Chase. No history with them. I believe Citi was in my previous BK, not for much though. BOA is the most BK NOT friendly, or at least so i've read here. With that being said, what do you all think. Once again, I'm 9 years post BK. Should fall off this October. Thanks for your help.

    Both Chase Citi (and also BoA) have prequalifiers, a soft pull, and if they recommend a card to you the chance is good they will approve your app with a hard pull.

    Google (bank) credit card prequalifier and see if the recommend a card for you.




    Bouncing back nicely from 2010 BK7, thanks to great info here on MyFicoCurrent scores: FICO 665, Fako: TU 736, EQ 735, EX 710Top Cards:Cap1 QS $10k, Barclays Rewards $5.7k + NFL $5k, Lowes Walmart $5k each; Util under 5%

  • RELEVANCY SCORE 3.07

    DB:3.07:Chase Feeedom With Bankrupcy? sx





    Hi everyone!

    I just fust got the Chase Freedom Visa Platinum denial letter. They denied me the card because my Transunion Credit Report reflects my BK filed on 7/2012. They also review my Trans Fico Score of 679.

    Is chase BK friendly? I read that they reconsider...they also pull experian...so I get a denial and two new inquiries.

    Any Recomendations?? thanks!




    Last app 7/2014....Gardening until August 2015!

    DB:3.07:Chase Feeedom With Bankrupcy? sx

    MT936 wrote:You should get a secured card and maintain it for a year before you apply got a unsecured
    I didnt do this after BK. I got an unsecured Cap1, then a Barclay Rewards, then Apple Visa, then Discover, then Best Buy Store Card, and most recently Sallie Mae. No need for secured card. OP already mentioned having a Discover it card.

  • RELEVANCY SCORE 3.00

    DB:3.00:Should I Try And Recon Or Just Leave It Be? dd



    Hi everyone!

    I app'd for chase/toys r us card and was denied due to bk. As previous people have posted to call chase and recon, and have been approved with bk, nothing bad since the bk, so i decided to do that since i have a kohls and circuit city cards backed by chase.

    well spoke to 3 diff reps who gave me 3 totally different answers, which were #1 we dont approve with a bk #2 rep said bk no problem but have had quite a few inquiries in past year, which i agree'd adv have been getting prime cards vs predatory others i have like c1 and hsbc #3 rep said bc i have accts with balances..WHAT? all but 2 of the accts that have balances they are less than $50 and have either been paid off or have used for small purchases to keep from being closed for inactivity. i advised that i had paid some off but would take about 30 days to update...still no go

    so my question is should i just leave it be as a denial or should i still try to recon? i mean i could use the card for points etc bc of new baby and have an 8 yr old so could use it at toys r us. i'd like to try and get a chase mc which is what the toys r us card is to try and get foot in door with chase.

    thanks again!!




    ~01/2008 Ficos TU 571-EX 647-EQ 652~~3/21/2009 Ficos TU 705 EX 702 EQ 692~~9/9/09 Ficos TU 718 EQ 693 EX???~06/25/12 Ficos TU 719 EQ 677 EX??

    DB:3.00:Should I Try And Recon Or Just Leave It Be? dd

    bamagirl1 wrote:thanks Scamp..i thought that bc reading in other posts i've seen others who have kept calling until someone said yes...i think it's crazy that all 3 of them said something completely different..do you think there is anything i can say differently to get an approval..?

    sorry for being slow to answer you, bamagirl - I only just saw this post; I've been out all day.

    I don't think there's a whole lot differently you can say just out the gate, as each analyst you've talked to has had different bugaboos about your CR's - all I can recommend is to think through your responses to every possible nitpick they might hit you with about whatever's on your CR's before you call, so that you're able to answer them clearly, confidently, and persuasively about why they should approve you despite whatever-it-is.

    Sorry I'm not more help. I've only reconned a couple of things - one was a CLI req with Chase, and that was like pulling teeth even with a clean (but short) credit history.

    Message Edited by Scamp on 12-12-2008 07:13 PM



    _____________________________________________________________________________It's never too late to become the person you might have been. ~George Eliot02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF

  • RELEVANCY SCORE 2.99

    DB:2.99:Chase United Mpe fj



    Decided to hit Chase up on a pre qualified offer for the United Explorer card. Instant decision for 32k. Basically doubled my cl from Chase from 32k to 64k with the new card.




    Scores: EQ 766, EX 763, TU 795Cards: 24 with 520k CLAAoA: 4 years

    DB:2.99:Chase United Mpe fj

    iwazl71 wrote:
    Decided to hit Chase up on a pre qualified offer for the United Explorer card. Instant decision for 32k. Basically doubled my cl from Chase from 32k to 64k with the new card.

    Fantastic start limit, grats




    EX Fico 08 BC 02/15: 790 (-7); EX Fico 04 V2 06/14: 775EQ Beacon 5.0 12/14 757TU Fico 8 04/15: 757 (0)

  • RELEVANCY SCORE 2.96

    DB:2.96:Guide Me Masters! 7c



    Ok, I'm scheduled to close on a house on Friday and I want to plan out my app spree, if that's even possible, for just after that. I'd like to be able to get a washer/dryer and a couch. I'm coming to the wise masters to advice on which cards to app for.

    Here are my details:

    Salary ~$35k

    AAoA ~1.5 years

    Age of credit history is 3 years

    tu 682 8 inq's 4 of those are from the mortgage co. 3 paid collections BK due to fall off in March '14

    eq 664 5 inq's 3 of those are from the mortgage co. 1 paid collection BK due to fall off in March '14

    ex 642 7 inq's 3 of those are from the mortgage co. 1 paid collection BK due to fall off in March '14

    (just pulled these scores and info from myfico)

    Currently only have a CapOne sec card with a $400 CL it was opened in Apr '13 always has 10% util

    Also have student loans @ ~$43k currently in deferment for at least 2 more years. (working on masters)

    I'm currently working full time and also a full time college student so student cards are an option.

    My current thought is since my son is in the army to open a NCFU account and apply for a card there. Beyond that I'm not sure what the best plan is. I'd LOVE to pick up an Amex card, I previously had a green Amex back in the early 90s so being able to get a new one would be amazing for my AAoA. I'm not sure if I'd owed them anything from back then so that could be an issue if they hold a grudge and I'm assuming they do.

    So wise masters of credit, what's a good plan of attack on apping?




    NFCU NavCheck $15k | NFCU cashRewards $12.5k | NFCU goRewards $12.5k |AMEX SPG $10k | Citi AA WEMC $6.5k | CSP $5k | Wal-Mart MC $4.5k | US Air WMC $3.9k | Amex Everyday $2k | Amex BCE $2k | Chase Freedom $1k | Discover IT $800Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)

    DB:2.96:Guide Me Masters! 7c

    09Lexie wrote:This one is easy for me...app in this order:Lowes for washer/dryer-TUNFCU- membership and nRewards if approved for that ask for a NavChek-TU/EQDiscover -EQ/TUIMO, score is too low for Chase or Amex now but in March you should be golden
    This is a solid plan OP

    I agree




    + Chase Ink =

  • RELEVANCY SCORE 2.94

    DB:2.94:Bk Friendly Prime Banks j3


    I apologize if this is redundant, I saw a BK friendly list but it was from 07 and alot has changed even very recently. My question is in regards to cards like Bofa, Citi, Chase, Discover, and Amex.... are any of them BF friendly at all with a good score and report after the BK? I recently read that in Nov 09' someone was declined with Chase and told that Chase WILL NOT accept anyone with a BK on their report..no exceptions. Any info on these Prime 5?

    DB:2.94:Bk Friendly Prime Banks j3

    I filed in 12/04. Definately not proud of it but it was the only way given the situation. I have come along way since then. I currently have a mortgage with Bofa, Auto Loan, Cap One $6000 Individual, Discover $4300 Joint, and Chase Freedom $11000 Joint. Apparently if what I heard was true I don't have a shot at my own with Chase...

  • RELEVANCY SCORE 2.93

    DB:2.93:Almost 5 Years Later... Not Sure Where To Go From Here To Keep Moving Forward sz



    Well, I've been in the rebuilding process since 2008 after filing BK December 2007, but I didn't get "actively" involved in it until around April 2011. I've disputed some items and successfully had some items removed from TU and EQ, but not EX. In April 2011 my scores were TU 618, EQ 615, EX 625 (this was using truecredit.com), as of February 2012 (using truecredit.com) TU 654, EQ 643, EX 659, and as of June 2012 (using myFico.com) TU 646, EQ 623. I feel like I'm stuck where I'm at. I know that some things just take time, esp after BK, but are there still other actions I can take while I'm waiting for some items to drop off my CBR's? I've outlined the negative marks below along with some questions, and really hope I can get some feedback and advice.

    LA = last activity, **ERD = estimated removal date

    Baddies:
    Capital One, paid or paying as agreed (open acct), 30 days late 1 time (Dec 2010-DH started new job - threw off finances for a month mid Dec 2010 - mid Jan 2011), EX has marked as going to a positive status 9/2017First Premier Bank, paid or paying as agreed (closed acct, PIF), 30 days late 1 time (Jan 2011-same reason as above)Bank of America; LA TU 7/2007, EQ 12/2006; included in BK; ERD TU 11/2013, EX 12/2013WFNNB AF; LA TU 2/2007, EQ 1/2007; TU included in BK, EQ transferred or sold acct, EX included in BK, purchased by another lender; ERD TU 12/2013, EX none listed - why?!Chase Bank; LA TU 2/2007, EQ 3/2007; included in BK; ERD TU 2/2014, EX 4/2014GE Paypal; LA TU 2/2007, EQ 3/2007; TU included in BK, EQ transferred or sold acct, charged off, EX purchased by another lender; ERD TU 2/2014, EX none listed - why?!HSBC Bank; LA TU 2/2007, EQ 3/2007; TU EQ charge off, acct transferred or sold, EX purchased by another lender; ERD: TU 2/2014, EX none listed - why?!HSBC Best Buy; LA TU 10/2007, EQ 3/2007; TU EQ charge off, acct transferred or sold, EX purchased by another lender; ERD TU 2/2014, EX none listed - why?!WFNNB VS; LA TU 7/2007, EQ 6/2007; TU included in BK, EQ transferred or sold acct, EX included in BK, purchased by another lender; ERD TU 5/2014, EX none listed - why?!GE Wal-Mart; LA TU 6/2007, EQ 7/2007; included in BK; ERD TU 6/2014, EX 9/2014Capital One Bank; LA TU 7/2007, EQ 8/2007; included in BK; ERD TU 7/2014, EX none listed - why?!GE Dillards; LA TU 6/2007, EQ 8/2007; included in BK; ERD TU 7/2014, EX 10/2014GE JCPenney; LA TU 7/2007, EQ 8/2007; included in BK; ERD TU 7/2014, 10/2014EX ONLY - Action Revenue Recovery - medical collection - Dec. 2010 ERD was 7/2014 I disputed b/c I had PIF, as of Feb 2012, no ERD, still remains on CBR - how do I get it removed if I paid it??Ch 7 BK 12/07, ERD 11/2017 -I know this is just a waiting game before I see it fall off
    All of the red TLs are pre BK and should have been included in BK. Why aren't they all marked as included in BK? I haven't disputed it b/c I know the negative impact BK has on the FICO, but I'm not sure if including it would help or hurt... BUT most of the one's marked as transferred do not list an ERD for EX... *SMH-very confused*

    I do have other open revolving accounts that are in good standing since the BK as outlined below - both TU and EQ show the same negative indicator, balance, etc. (I removed the baddies since I listed them above - I imagine some of these will fall off soon too that were before the BK, just not sure when). There will also be more student loans added as necessary until I complete my degree.

    Date opened Balance Status Negative Indicator?
    Equitable Acceptance Cor9/2010$1,068Paid or paying as agreedNoAfter BKMetabank/Fingerhut11/2011$290Paid or paying as agreedNoAfter BKGecrb/Casual Corner6/2005$0Paid or paying as agreedNoPre BKGordon's/Cbna6/2005$0Paid or paying as agreedNoPre BKWfnnb/Maurices3/2003$0Paid or paying as agreedNoPre BKCommonwealth Marketing G10/2006$0Paid or paying as agreedNoPre BKFirst Premier Bank5/2008$0Paid or paying as agreedNoAfter BKUltra Vx / New Millenniu9/2008$0Paid or paying as agreedNoAfter BKBank Of America6/2005$0Paid or paying as agreedNoPre BKDept Of Ed / Nelnet9/2011$6,000Paid or paying as agreedNoAfter BK student loanDept Of Ed / Nelnet9/2011$4,500Paid or paying as agreedNoAfter BK student loanEdfinancial3/2007$0Paid or paying as agreedNoPre BK student loanCapital One Auto Finance10/2011$26,873Paid or paying as agreedNoAfter BK

    My goal is to have a middle FICO of at least 700 by mid 2014 to buy or build a house - this is the year DD starts kindergarten and I'll have one semester of college left before I have my Bachelor's! According to the budget (which is always changing) all revolving credit card debt opened after BK will be PIF, will have started paying early on student loans, and hope to have refinanced auto loan to reduce the interest rate/lower pymts (but will keep making the same pymt as beforeto pay off sooner)! Goal is to have only 35% debt-to-income ratio. IS THIS REALISTIC? Any suggestions on how I can keep improving and insight into how the AAoA will change and affect my scores as the TLs fall off?

    Thanks in advance. I posted this in the rebuilding section the beginning of the week and though many have viewed it, NO ONE HAS REPLIED...

    DB:2.93:Almost 5 Years Later... Not Sure Where To Go From Here To Keep Moving Forward sz


    I just thought 35% sounded like the first tier, but as I'm reading and gaining knowledge through this forum, I'd agree that 0% is ultimately my goal since I'm not using CC unless I already have the cash to pay it off.

    All of my balances are $0 except for Equitable Acceptance (Rainbow) $1068 ($2016 limit) - I'm not sure of the correct term for this acct, but it reports as revolving. I've pd on this like an installment plan to build my acct history so that as the pre BK TLs drop off I've still got a good AAoA - should I not be doing this? Metabank is $290 ($550 limit). Capital One is $276 ($300). Balances report high on Cap One b/c DH uses it monthly while he's on the rd then we pay it monthly. Regardless, I had planned to pay each to 10% by Sept/Oct, but from what I gather from your post, I should really pay off two accts and have one at 9% of CL (or total of all CLs?)

    The collection was IIB that I tried to PFD afterwards so it is PIF. CA didn't delete it and it's only reporting to EXP.

    The two lates happened during DH job change the end of 2010. I called both and informed them the circumstances and set up pymt to be auto drafted from our checking acct on the date his first check was deposited. I was told they wouldn't report as late, yet there they are. We didn't have much of an emergency fund, and what we did have we used for grocery and other living expenses while he transitioned. He's had a rough employment history since just after we got married... laid off a high income job ($18+/hr) while I was 5 months pregnant with our first child -- could have been much worse since I was able to keep financially sound while he was unemployed and managed to pay the hospital bills involved in the delivery of DD. Every time I get "a proper emergency fund" saved, we find ourselves in an emergency - an appliance goes out, our house floods (this actually did just happen February 28! Circumstances there really stink b/c we aren't renters, but don't own the house either. It's DH's grandmother's house that we are taking care of since she is in a nursing home, so we handled this OOP and insurance didn't cover it!) we had a surprise pregnancy too back right before he transitioned jobs in 2010, so yet another emergency fund I was rebuilding had to go to the unexpected. - Yes we know that last could have been prevented, and we were taking precautions, and those precautions failed... Not to make excuses or anything, just explaining the situation.

    Since the medical collection already shows paid and IIB, what, if anything can I do to get it off?

    I'll try the GW letters to get C1 1stP to change them. 1stP is closed due to the fees they were charging (outrageous!), does that affect my efforts on GW? Should I offer to come back as a customer to get it removed?

    Thanks for your comments and advice!

  • RELEVANCY SCORE 2.91

    DB:2.91:The Blacklist Thread. Which Ccc's Blacklist, And For How Long?? 39


    Hi all!I thought it would be good to start a blacklisting thread so we can all post who we've had blacklist troubles with. Might be a good reference, and would definitely answer a lot of questions for a lot of people (thereby making some mod's jobs easier).Please post your experiences!I'll compile update the main post as I get more info. Feel free to PM me if you don't wish for a public post!I know these:- Amex blacklists indefinitely, but now there's the new Oasis rehab card for certain instances. (more details?) If you burn them with a BK, you're out permanently.-WaMu will most likely burn all with bad Providian history, even if it was a paid close with some lates, even if you have good recent history. The blacklist persists, even if it's no longer on your CR. Some people seemed to have escaped this, but not all, and their scores were stellar.-Citibank blacklists all paid or unpaid chargeoffs for a minimum of 3 years. May be indefinite.-BofA may deny with old MBNA chargeoffs or BK's, although some people report slipping through. (Need more info on age of those accts. ) The best info so far is that a BK on MBNA, even if old, will kill your chances.Needing more info here: (if you can, please provide how long, if you have a BK in which you burned that creditor, or if your c-off fell off your CR, etc.)- Discover blacklists, but for how long? Details?- Chase blacklists, but for how long? Details?- MBNA blacklists, but for how long? Details?- BofA blacklists, but for how long? Details?Message Edited by Jennabean on 01-20-2008 06:39 PM



    _____________________________"I find your lack of tradelines disturbing..." - Darth FICO

    DB:2.91:The Blacklist Thread. Which Ccc's Blacklist, And For How Long?? 39

    TARGET also blacklist .iwas decline fortarget card in the last2 months,because i had their card in 1995 ,andit was include in BKin 1997 .can youbelieve thatafter10 years.Message Edited by creditdream on 01-13-2008 08:49 PM

  • RELEVANCY SCORE 2.88

    DB:2.88:Bk Friendly Cards With High Student Loan Debt? kp



    Merry Christmas to all:

    Does anyone know of a post BK friendly credit card that might be approved if someone has high student loan debt (over $150K). BK does not discharge any of that.

    I'm three years past a CH 7 but have not had steady income in those three years. Thanks for any insight.

    DB:2.88:Bk Friendly Cards With High Student Loan Debt? kp


    Capital One did not discriminate in approving me for their Platinum Mastercard based upon my high student loan debt ($146K - medical school related). I'm not entirely certain that the amount of student loan debt in and of itself would hinder one's approval chances for a credit card. Poor payment history on student loans and/or current delinquency are likely to diminish one's chances of approval for a credit card. I was approved for the Cap One Platinum Mastercard two weeks post discharge of my Chapter 7 bankruptcy. My student loan payment history is current without late payments. Obtaining stable employment and income will help your overall financial situation, ability to pay current debts, and decrease lender perceptions of you as a poor credit risk.




    Chapter 7 Discharge Aug 2013 Starting Score: Oct. 2013 EQ FICO 651Apr 2015 EQ FICO 687 Auto 700 Bankcard 694Apr 2015 TU FICO 678 Auto 688 Bankcard 703Apr 2015 EX FICO 678 Auto 716 Bankcard 690Capital One QuickSilver World MC $6k; NFCU Visa Signature Cash Rewards $14k; Barclay Platinum Rewards $1500; Barclaycard (AU) $24K; GARDENING UNTIL OCTOBER 2015GOAL 700 FICOs on ALL 3 CRs by OCTOBER 2015

  • RELEVANCY SCORE 2.86

    DB:2.86:Just Pulled My Fico Scores! 13


    I currently have:TU--634EX--643EQ--663My scores in 9/07:TU--618EX--653EQ--655All but Experian have gone up. Albeit not much, but pretty good considering I have about 15 inquiries since then, 4 new accounts and 1 closed account (by me!) that was over 2 years old. It has been 22 months since BK was discharged and all my scores were well below 500 the day after discharge.After looking over my reports, I have noticed that I still have 6 accounts that were listed in my BK, but are still being reported. However, I am not sure whether they are affecting my scores or not.Negative:BK--10/2005First Premier C/O--4/2003 (included in BK)Providian C/O--12/2002 (included in BK)TU Electric--9/2004 $945 (included in BK)TU Electric--2/2004 $887 listed as payment after C/O (in BK)TU Electric--2/2003 $787 listed as payment after C/O (in BK)GEMB/Mervyn'sPositive:Juniper--2 months oldWalmart--2 months oldHooters--3 months oldCapital One--4 months oldCare Credit/GEMB--9 months oldOrchard Bank--13 months old, but closed in October 2007Capital One Auto--21 months oldShould those 6 negative accounts be affecting my scores? If not, how can I get them removed or changed?Thanks!!



    Barclays US Air $15K| TTCU $15K| Chase Slate $10K| Citi Diamond $10.5K| AMEX BCE $10K| Discover IT $7500

    DB:2.86:Just Pulled My Fico Scores! 13

    No they weren't paid, but IIB.



    Barclays US Air $15K| TTCU $15K| Chase Slate $10K| Citi Diamond $10.5K| AMEX BCE $10K| Discover IT $7500

  • RELEVANCY SCORE 2.84

    DB:2.84:Hubby Cleaned Up My Turn Help! jj



    Hi all,

    My husband's credit is done, he just got approved for our mortgage, in the nick of time before our land contract expired, it was sooooo close but we kept our house. THANK YOU all for your help. He went from 486 to 726 from April to December. I couldn't be on the loan because of my credit so now we need to get mine cleaned up if possible.

    You would think I would be all experienced and set to do my own now but my situation is completely different and I need some help. We both lost our jobs just after a new baby with big medical bills in 2008. Booyah.

    I'm hoping that there are errors in the way things are reporting, not sure what else I can do to clean up since I have a bk, no leverage in pay for delete or good will either I expect. Not expecting any love from Chase as they were our favorite bank and took the hardest hit. Any advice is much appreciated, thank you so much for reading.

    Here is what's up with me:

    BK 7 filed in 2010, closed in 2011

    Chase Mortgage: Short Sale April 2013, 1st mort showing as included in BK but Experian is also reporting RF

    Chase Mortgage 2nd mortgage showing as settled for less, Experian shows CO

    Chase CC 1: 4k showing as Charged Off with all 3 cb's, Experian showing a past due amount

    Chase CC 2:$713.00, showing as Charged Off with all 3 cb's

    Chase CC3: 3k,showing as Charged Off with all 3 cb's, Experian showing a past due amount

    HSBC CC: $1382.00 TU only showing as Collection/Charge Off

    BofA CC: 3k: reporting as BK but Experian also reporting as CO

    USB LOC: $1566.00 Included in BK on two trade lines and Experian reporting the balance, lates, CO's and status says Collection/Charge Off

    Global Acceptance Collection Agency: This collection was for Chase CC 1, reporting on TU only as bk7

    Global Acceptance Collection Agency: This collection was for Chase CC 2 same deal, reporting on TU only as bk7

    Collection Consultants: $5110Medical Collection, TU EQ showing included in bk7, Experian showing a balance of $5110

    Macy's Visa, shows bk7, 0 balance, this was recently paid and deleted off of my husband's cr.

    DB:2.84:Hubby Cleaned Up My Turn Help! jj


    Thank you Guiness, that's what I was looking for. I guess I was hoping that Settled for Less would be a squeak better.

    Is there any reason I should not do online disputes for this type of correction and lastly should I try to find inacuracies and go for some deletions or just get everything under IIB?

    Many many thanks...

  • RELEVANCY SCORE 2.84

    DB:2.84:I Need Directions To The Garden, Lol 8z



    I love this forum! I've been a lurker for a long time I had a BK 13 in 2007 due to an ex husband (all credit in my name) and was owed a hefty amount of unpaid child support. The BK 13 was finally paid off in 2012 and came off my credit reports June of this year. I always had steady full-time employment and also had a part-time job to get me through those hard times. The BK trustee gave me permission to buy a house in 2010, which I did. My FICO score was barely 640, but I did get the loan at a good interest rate. I kept at the hard work and when the BK was discharged in 2012, I then bought a new car financed through my credit union. I had one credit card, which was a Wells Fargo secured card with a $300 limit. I would monitor my credit reports and scores religiously and read these forums while waiting for the BK and a couple other negatives to fall off my reports. I applied for a Barclay's rewards card in January 2013 and, to my surprise, was approved with a $1300 limit. I closed the WF card.

    The reason I need help locating the garden, after the BK dropped off in June of this year, my credit scores skyrocketed. I started getting pre-approval apps in the mail from various credit card companies. And I went on a spree. I apped for 7 lines of credit in a 3 month period and was approved for all with varying degrees of CL, some good and some disappointing. Barclay's upped my CL to $2300. FNBO gave me a $2100 CL. Chase gave me $700 with Freedom and $500 with Slate. Citibank gave me the Double Cash with a $3000 CL. Synchrony Bank gave me a CL of $3000. And today, Discover gave me the It card with a $10,500 CL. I need encouragement to find that garden and stay in it! LOL! I was thankful for the Discover CL because my goal is to keep my utilization at 10% and under. Right now, without the Discover, I utilize 21% of my available credit and pay my bills in full each month. My FICO TU is now 700 and my FICO EX is 725. EQ not really sure. I know I don't need anymore credit. haha




    EX FICO - 744 // EQ FICO - 739 // TU FICO - 736 // FICO 8 - 733In the Garden until 9/2015

  • RELEVANCY SCORE 2.82

    DB:2.82:Previous Chase Cc Prior To Bk - Odds Of Obtaining New One f7


    Okay - prior to the BK in late 2008, I used to have a Chase CC - never late, pays as agreed, closed by consumer, 0 balance.....my scores are in my siggy, wondering what my chances might be at getting back in with them. Any input appreciated Thanks!!!! K



    Starting Score: 650 Current Score: EQ:716 (SW Alert 5-7-14) - TU: 698 (5/27/13 SW)Chapter 7 filed 8/2009 - Discharged 12/2009 Goal Score: 750Joined the garden again 12/5/13In the garden till at least 5/1/14

    DB:2.82:Previous Chase Cc Prior To Bk - Odds Of Obtaining New One f7

    sal2009 wrote:
    I had a bk in 2005, less than 7 yrs and was recently approved for a chase sapphire preferred visa in April 2012. FICO now around 700. Included chase in bankkruptcy.. high income over 250000

    I had a BK7 in 2002 that just fell off in May. I had a Providian CC that was IIB. Providian of course changed hands a couple of times and eventually was inherited by Chase. It popped up during my application for a Chase Freedom last week, showed as a previous Chase account that was IIB. After doing a manual review with a credit analyst and explaining the BK (also denying the account even existed because I didn't think about the old Providian account having changed hands)... I was approved with a $6000 CL at the best available APR, 12.99%. That's also with a FICO over 800, but I would say there's still a decent chance for an approval.




    5/2002 - Chapter 77/2011 - Equifax FICO 6935/2012 - Equifax FICO 812! In the "800 Club!"2/2013 - Lender-pulled EQ FICO 821 (car loan)7/2014 - Lender-pulled EQ FICO 832 (car loan)

  • RELEVANCY SCORE 2.81

    DB:2.81:Chase Product Change = No j3



    I think I've mentioned here that I've wanted to convert my two Chase classic rewards cards to Freedom and Disney. Even though my second card (WaMu) won't be eligible to convert until later this month, I gave it a go today with my existing Chase card (to Disney).

    I got back an almost instantaneous "no." The CSR didn't know why, he just said that the message he got was that this particular card was "ineligible for a product change." Any ideas why?

    Could it be that they don't offer conversions to the Disney Visa? Is it because my existing card is MC?

    Could it be my old BK? There's nothing else on my reports that could cause alarm. I've NEVER burned Chase; I didn't include my account with them in the bankruptcy and I immediately pay in full whenever I use the card, which isn't often. They have been good about APR decreases, so I know my account hasn't been completely throttled. But I'm curious and more than a bit paranoid. Since both of my bank cards are now going to be with Chase, I don't want to be living in fear of using my cards responsibly...heck, of using my cards at all.

    If anyone else has experiences with Chase and product changes, I'd love to hear them.




    -------------------------------------------------------------FICO: TU 783/EQ 778/EX 776 (8/4/2014)Closed on my new home in July, 2012!

    DB:2.81:Chase Product Change = No j3


    Here's an update: I used the number in this post and got my ex-WaMu card converted to Freedom!

    So, I guess I wasn't being throttled after all; they may just have a hard NO stance with their first-line CSRs. Or, maybe they're just being nice to the ex-WaMulians. Or, maybe they're just trying to limit product changes to a set range of products, like Freedom and Perfect.

    Haven't tried reinstigating another product change with my first Chase card yet. Not sure if it's worth it.




    -------------------------------------------------------------FICO: TU 783/EQ 778/EX 776 (8/4/2014)Closed on my new home in July, 2012!

  • RELEVANCY SCORE 2.81

    DB:2.81:Approved For Amex Delta Gold With Bk 8d



    Just thought I would share this - I filed BK (Chap 7) in 2002 - end of relationship, left with lots of debt...long story. Anyway, there were numerous credit cards and assorted bills in BK, not AMEX though. I never re-affirmed mort through BK, sold home I was living in at the time (for a loss). Mortgage Co was unable to get the deficiency balance (because they never submitted reaff papers to BK Court, so i was legally not responsible for the balance - off the hook for thousands).

    Anyway, I started rebuilding almost immediately, had great Mom who signed for car, and made me AU on 2-3 accounts. Started with the usual suspects (First Premier, Orchard, etc) which are now cancelled. No late payments at all since the BK. By 2005, I was able to get new car and new mortgage in my own name. I was always denied by AMEX in the past, and last applied probably in 2006 or so. In June, 2007 my Mom passed away and she had a AMEX card (Green) since 2001. I called to cancel card, and they offered to let me keep the card and transfer it into my name, AND retain her account hx (never late, Mom had excellent credit). I said sure (thinking it would be denied), but to my surprise it was approved. Never late on Green, and set up a couple of recurring bills to make sure I used it every month. Maybe 6-8 mos ago, I started getting offers to upgrade to Platinum which I never did (fee is way to high) but I did opt for the Gold upgrade last month for the rewards (yes I know you can get rewards with the Green, but with my card you had to pay a fee anyway just to add the reward program and they gave me the bonus points with the upgrade).

    Today, i was reading the forums and was thinking about apping to get a new card backdated to 2001 member date, to help AAOA, so I went ahead and did it and to my surprise was approved. You just never know with AMEX.

    My FICO scores (as of 1/10) are as follows : EQ 701, TU 720...of course they checked EX, and I don't know that score. FAKO's on CS and CCT are 762 for all three bureaus. I had 12 INQ's on EX (I don't know how they are evaluated but 3-4 are from mort app in 5/2009, and another 3 are from car loan app in 11/07). I have numerous cards currently with avail credit of 48000 utilization of 5% (give or take).




    CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788

    DB:2.81:Approved For Amex Delta Gold With Bk 8d


    Congrats on your new card and thanks for posting your story. It's nice to see Amex success stories

  • RELEVANCY SCORE 2.81

    DB:2.81:Orchard Bank Secured...What To Do With? fj


    I had a discharged BK in March of '06. I got a secured Orchard Bank card in June of '06. I have not had any late payments on anything since before my BK was filed in 10/05. I have received an auto loan from Capital One in April 2006. I received a loan for my Lasik surgery from GE Financial with 0% interest for 2 years in April 2007. I just received a pre-approved card from Capital One for $2000 and 0% on new purchases until March 2008. BTW, my credit scores right after BK were 495 Experian, 491 Equifax and 468 TU. Now, they are 655 Experian, 653 Equifax and 618 TU. Not bad in a year and a half, right? I received a pre-approved letter for something every other day now. What should I do with that Orchard Bank secured card? I want either an unsecured card or nothing!! How can I go about getting this card changed?



    Barclays US Air $15K| TTCU $15K| Chase Slate $10K| Citi Diamond $10.5K| AMEX BCE $10K| Discover IT $7500

    DB:2.81:Orchard Bank Secured...What To Do With? fj

    You probably can't get an AMEX with a BK though.

  • RELEVANCY SCORE 2.79

    DB:2.79:Garden Or Chase Amazon? 8k



    First off, thank you for listening to my ramblings and any advice that you have to offer. I am sitting over here tilling my garden until my CH 7 BK falls off around October (finally!). I just started getting back in the game this past September and have had some luck. I have been wanting to garden because I did not want to be bucketed as BK. I want good CLs and APRs. Iam wanting to get in with Chase (hoping they will have the $200 sign-up bonus around next Christmas - aiming for that). I have a couple questions. It seems thattheconsensus finds higher limits on your second Chase card (also happened with DH - I was also impressed with their customer service, they gave us the $200 bonus, even though he signed up under the $100). Should I app for the Chase Amazon now, just to put myself in a better position for a higher limit on the Freedom, or should I garden? If I app now, will I forever be in the BK bucket? Thanks in advance for any advice.




    Doing my best to garden until December 2015!EX 721 (04/18/15) TU 714 (04/18/15) EQ 672 (02/12/15)Amex PRG: NPSL | Amex Everyday: $18,000 | Cap 1 QS: $3,750 | Cap 1 QS1: $3,500 | CareCredit: $5,000 | Amazon Synch: $5,000 | Walmart Synch: $3,000

    DB:2.79:Garden Or Chase Amazon? 8k


    I think my mistake was I had the whole app spree thingy down wrong, lol. I got approved for the Freedom but then like hours later apped for the Amazon Visa. Got declined and the letter stated that I had too many accounts with Chase, which is incorect I only had and just got approved for the Freedom. So I think I apped to quick back to back with them.

  • RELEVANCY SCORE 2.79

    DB:2.79:Amex Recon Advice 7 Years Post Bk k9



    So I have been slowly but steadily increasing my credit.

    I am 7 years and 2 days post bankruptcy ch7. Nothing bad on credit report except for bk reporting.

    So yesterday, I decided to do another round of credit card applications. I apped for:

    Citi Visa Signature AAdvantage APPROVED FOR $20,000

    Citi American Express AAdvantage APPROVED FOR $20,000 (did 2 browser trick)

    Chase Ink Bold: Pending...going to have to Recon on Monday when they open

    I requested a CLI from Chase on my Sapphire Preferred on the same day HOPING that it will show up as 1 inquiry and was approved from base of $5000 to $15000

    American Express Premier Rewards Gold...Flat out declined

    I applied for the Amex because i had read on here that some had gotten cards 7 years post bk. Of note, I did include Amex in the bk for approx $3900. What's interesting is that when I app'd last year and got declined, the rejection letter gave the bankruptcy as the reason...this time the only reason in the letter was "American Express previously cancelled your account." So it seems to me that you might get approved after 7 yrs if you didn't include them in the bk and if you did, then you are on their blacklist.

    Now...I'm looking for advice on how to get off it. I've read on here that some people have had success with executive office vs new accounts. Can you guys give me the phone numbers that you used? perhaps more importantly, if you would PLEASE give me the names of the person that helped you...feel free to private message me if that make you more comfortable. I would greatly appreciate it.

    Other cards i have:

    BMW Credit Card: $10000

    Capital one:$2500

    Chase Freedom: $1250

    Chase Slate$500

    Various store cards: Bloomingdales, Sonystyle, Sleepys, Carecredit

    Experian FICO: 737

    Transunion: 710

    Equifax: 714

    Thanks everyone...glad to finally be getting some prime cards again. Couldn't have done it without this site!

    DB:2.79:Amex Recon Advice 7 Years Post Bk k9


    AMEX has a strict policy with their applicants, which is why AMEX has the lowest default rate during recession.

    As for store not accepting AMEX, that is because AMEX on average charges 1% higher swipe fee than Visa/MC/Discover.




    In My Wallet:Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

  • RELEVANCY SCORE 2.78

    DB:2.78:When Did Chase Become Bk Friendly? f1



    My mom received 2 pre-approved offers from Chase for the Slate and the Freedom Card. She banks with Chase and has a BK7 from may 2009. Since then she's re-established, bought a house, even has prime cards like US Bank and NFCU, Discover more, etc etc. Anyhow, weeks prior to her receiving these pre-approved offers she applied online for the exact same cards and was declined. Received a letter stating because she has bankruptcy they could not approve her. Fast forward a few weeks later and she got pre-approved offers for both cards from Chase. She sat down with me and figured she would try again. BOTH of them were approved! 3,000 on the slate and 4,000 on the Freedom. The interest rate is 22.99 after the 0 intro apr expires in Jan 2014....but wow, I thought they were not bk friendly? I also thought US bank was not BK friendly but figured since she has her mortgage with them they were more lienient. I just thought it was the strangest thing...denline her for BK then weeks later approved? I wouldn't dare apply for another Chase card, I burned them in my BK in 2010...but my mom did add me as an authorized user so I'm not sure if they'll report on my bureaus?

    Anyone have the same thing happen?

    DB:2.78:When Did Chase Become Bk Friendly? f1

    I think they are trying to recoup that 13 billion they are paying out in a fine PERSONALLY!

  • RELEVANCY SCORE 2.78

    DB:2.78:Chase Savings Rates 33


    For those of you with Chase "banking" packages, you might want to check the interest rate you are getting on your savings account against the interest rate tables on their web-site for your market.In Texas, the Chase Premier Package used to link the Chase Premier Checking with a Chase Premier Savings with tiered savings rates that were lower than the Chase Premier Platinum Package with it's own savings tier for Chase Premier Platinum Savings.Sometime recently (apparently during the month of May) Chase introduced a Chase "Plus" Savings account that replaces both the Premier Savings and the Premier Platinum Savings.The only way I found out about this was because I noticed that my interest rate on my savings account was lower than listed on the current tiered rate tables on the web-site. After a call to a telephone banker, I found out that this new account option (Chase Savings Plus) is available and used for new accounts, but older Premier Savings accounts are not automatically converted.At first, she tried to tell me that I would have to close the original savings account and open the newer one in order to get the higher rates. After I questioned her further and explained that when they close an account and open a new one, they usually do a credit check and place a "hard" inquiry on your credit report, she came back and said that they could convert it without closing the old and opening the new.I now havea welcomeincrease in my savings interest rate because I caught something that was buried on their web-site. I don't know how many markets this new savings account is available in, but it's certainly worth checking out if you don't want to miss the boat on higher rates.

    DB:2.78:Chase Savings Rates 33

    The rate is not too much to get real excited about ... short-term CDs are better and there are other places to park your money if you are looking for the highest money market rates... but I'm not ready to change or commit. I have other options to evaluate first.It's certainly not enough to cause people to run to Chase with their money. I bring it up only because if you already have money there and aren't getting the new rates, I wouldn't want to leave that money on the table.The new tier structure for me at Chase is 1.98 per cent vs 1.14 per cent for money that is temporarily parked until I can decide on more beneficial options. At least as long as it is at Chase, I might as well get the higher rate.

  • RELEVANCY SCORE 2.78

    DB:2.78:Lates Reported After Bk 7s


    I filed BK in Mar04 (discharged in Apr04)and my mortgage was included in the BK. I recently noticed on my CR that for 11months after discharge, Chase continued to report lates and RF's to the CRA. I have reviewed my BK docs and spoken with the attorney who filed for me. Chase had no right to continue to report anything after filing.My question is, if/whenI get Chase to remove these items, how much could I expect my score to rise?

    DB:2.78:Lates Reported After Bk 7s

    hi. I had the same problem with one lender reporting my account in foreclosures. filed bk in 06/07 and they continued lates. spoke to different ones there and they continued to say they were doing it legal even experience. I finally got them to reverse this month after a almost 6 months of writing letters directly to them and to the credit bureaus. They finally told me its against the law to report other than in bankruptcy..

  • RELEVANCY SCORE 2.77

    DB:2.77:Chase Ink Bold With Bankruptcy Reporting xs



    Im interested in applying for the chase ink bold (charge). I have a bankruptcy still reporting from 7 years ago. Chase approved me for the sapphire preferred card 6 months ago and the freedom card 3 months ago after reconsiderations. I've been using those cards extensively ($10,000/month) and payingbalances completely. Ficos are all 700-720. My plan was to apply and then do the recon thing again but the app for the bold asks if my report is clear of bk whereas the sp and freedom cards did not. Does anyone know if the bold cards have higher standards? Has anyone gotten this card with a bk stillreporting? I want it for the additional 5 points categories. Thanks for your help.

    DB:2.77:Chase Ink Bold With Bankruptcy Reporting xs


    No




    NFCU Flagship Rewards Visa Signature $5,000NFCU NavCheck LOC $10,000Chase INK Cash $5,000Chase Freedom $1,500Bank of America Cash reward 123 $5,000Barclays Arrival World MC $3,000

  • RELEVANCY SCORE 2.76

    DB:2.76:Rewards Cards Bk Friendly? 1f



    Trying to find list of possible reward friendly's with 8 year old BK. Maybe a short list.

    Current situation is FICO 688eq 691 tu. Paying down some util I expect an increase to 700+ by mid July and thats when I will be applying. BK is from 9/04, no lates, no COs. EQ has one old medical CA and t/u has none. Currently have capone 1500 capone 5000 hsbc 300 hsbc 500 chase (old wamu) 2100 amazongemb 900 taget 200 kohls 700

    I am told I'm ineligible for Chase due to BK. Chances of approval for barclays rewards? Any other rewards cards out there fworth an app?

    DB:2.76:Rewards Cards Bk Friendly? 1f


    I have 2 barclay's cards currently..I have LL Bean Visa Apple Card..They have both been good to me..I've had a few years..maybe 2 and my bk was filed 09/04..They run pretty good promos on these 2 cards..




    ~01/2008 Ficos TU 571-EX 647-EQ 652~~3/21/2009 Ficos TU 705 EX 702 EQ 692~~9/9/09 Ficos TU 718 EQ 693 EX???~06/25/12 Ficos TU 719 EQ 677 EX??

  • RELEVANCY SCORE 2.75

    DB:2.75:Credit Cards Included In Bk Blacklisted? ma



    For credit cards that were included in BK. Which ones put you on their blacklist and if they do, how long are you there?

    I had a couple of Capital One cards in my BK. They forgave me and show me good luv. There was also a couple of Chase cards, two AMEX SkyMiles cards (I miss those) and a Discover. I've heard some of these will blacklist people. What have you found?




    |****$10500***|****$8000*****|****$6000*****|****$3200****|****$1600****|****$3000*****|*****$3000*****|****$2500*****|EX - 684 (MyFICO 3/05/15) TU - 676 (MyFICO 3/05/15 ) EQ 04 - 712 (DCU -3/27/15) EQ 08 - 686 (MyFICO -3/05/15)

    DB:2.75:Credit Cards Included In Bk Blacklisted? ma


    I guess I'll never have another Delta SkyMiles cards If I remember correctly, both of mine were over $10k. One of the Chase cards was at at $81k and $16k for the other. Discover was a few dollars over $10k




    |****$10500***|****$8000*****|****$6000*****|****$3200****|****$1600****|****$3000*****|*****$3000*****|****$2500*****|EX - 684 (MyFICO 3/05/15) TU - 676 (MyFICO 3/05/15 ) EQ 04 - 712 (DCU -3/27/15) EQ 08 - 686 (MyFICO -3/05/15)

  • RELEVANCY SCORE 2.75

    DB:2.75:Chase Gw Letter dx



    For those of you who've had success with Chase, what e-mail or number did you use?

    Thanks in advance!

    DB:2.75:Chase Gw Letter dx


    Not to thread hijack, I got a thread going for successful GW attempts. Take a look at it.

    -SD




    533 542 533

  • RELEVANCY SCORE 2.75

    DB:2.75:Cc After Bk sz



    I filed a BK in 06/2001. its off my CR on 06/11 . How long will it take before a major CC issuer Citi, Chase, BoA will approve me for a CC i already have HSBC Juniper and COF

    TU- 726

    EQ- 700

    DB:2.75:Cc After Bk sz

    I was able to get a Chase card and they were IIB. This was before the "crunch". It might be different now.

  • RELEVANCY SCORE 2.74

    DB:2.74:Chase Denial m8



    Just made a phone call to Chase to check status of my app for a Freedom card. I was told it was denied because of a previous bk on the report from 2003. Rep said that even though there are no negatives on the report since bk, they simply are not approving apps with a bk on file.

    I guess I'm stuck with having to keep the stinking Juni card for a while longer......depressing




    FICO score tracker3/19/08: TU-649, EQ-676, EX-6565/7/08: TU-653, EQ-651, EX-7061/7/09: TU-659, EQ-667, EX-681 (but now I have my house!)3/25/09: TU-675, EQ-668New goal: new car8/5/09: New car goal met. Developing new goals....

    DB:2.74:Chase Denial m8


    Thanks for the kind words

    No biggie. A few things I've learned along the way as I've been trying to turn my financial life around:

    1. I control my credit, not the other way around. It's my choice to be in debt or not, and if I choose to owe, I choose how much. I have the freedom and the ability to say no.

    2. I determine my needs versus my wants. I have the ability to resist impulsive spending. I have the ability to save for want and when I've saved enough the "want" becomes my reward.

    3. Frequently, the impulsive desires become less of a desire over a little bit of time which can result in the relief over not having purchased the item out of impulse to begin with.

    4. I'm very greatful for what I have. A year ago I didn't have my own home--now I do. I'm in a position to be able to purchase a new vehicle by the end of summer. Even though I don't have the Freedom card, I do have a card with smaller rewards on it which is better than no opportunity to earn back at all.

    ok.......I feel better now




    FICO score tracker3/19/08: TU-649, EQ-676, EX-6565/7/08: TU-653, EQ-651, EX-7061/7/09: TU-659, EQ-667, EX-681 (but now I have my house!)3/25/09: TU-675, EQ-668New goal: new car8/5/09: New car goal met. Developing new goals....

  • RELEVANCY SCORE 2.74

    DB:2.74:Took One For The Team! 83



    So I took part in the "Prime/Blacklist Approval Experiment" in the Bankruptcy section of the forums and wanted to share the results with you all.

    App'd online for the Chase Freedom and got the "your app needs further review" message. Called the backdoor number (and yes, analysts are available on Saturdays) and asked them to please recon. Was put on hold for approximately 5-7 minutes for a review. Analyst came back and delivered the "declined" speech.

    She gave me two reason for the decline:

    1. BK reporting (5 years post d/c)

    2. A Chase CC was included in the BK.

    I've asked for a few recons during my re-building days and Chase is the only one that didn't ask me a single question regarding the bk or how I've managed my credit since the bk to ensure that it doesn't happen again. Hope this helps!!

    P.S. I don't bank with Chase but I do have a mortgage with them.

    DB:2.74:Took One For The Team! 83


    Chase, along with other lenders (Citi, BoA, NFCU, USAA, AMEX, etc.), tend to have long memories.

  • RELEVANCY SCORE 2.74

    DB:2.74:Lates Before Bk- Will They Still Show After Bk? 13


    I wanted to know if I have late payments some credit cards before one files BK do those lates stay on your credit or are they removed as long as that account was included on a ch 7. bk?Thanks for your help trying to figure out if its a good idea to file before ones credit gets hit with lates.

    DB:2.74:Lates Before Bk- Will They Still Show After Bk? 13

    They are not removed as the information is correct. Lates cannot be reported after filing BK. You can send GW letters, but the creditor has the right to keep reporting the lates from DOFD.



    Starting Score: TU 723, EQ 708Current Score: TU 796, EQ 743Goal Score: TU 800, EQ 800Take the FICO Fitness ChallengeStarting Score: 708Current Score: 743Goal Score: 800Take the FICO Fitness Challenge

  • RELEVANCY SCORE 2.73

    DB:2.73:Chase Announces Clearer, Simpler Credit Card Pricing Approach z3



    Chase Will No Longer Increase Rates Based on Credit-Bureau Information

    WILMINGTON, DE (November 19, 2007) - Today, Chase Card Services announced the expansion of Chase Clear Simple, an ongoing program designed to help Chase customers better understand and manage their accounts, with the adoption of new, clearer pricing practices.

    Chase is eliminating a practice, commonly used in the industry, of increasing interest rates for individual cardholders when their credit-bureau scores decline. This change is effective on March 1, 2008.

    "Chase's clear and simple approach has been developed to make us easier to do business with, helping us to build lasting, loyal relationships between ourselves and our customers," said Gordon Smith, CEO of Chase Card Services.

    "As the founder of a leading consumer advocacy organization that has specifically focused on the card industry for about 10 years, I would like to commend Chase on taking such a strong stance on such an important and controversial industry practice," said Curtis Arnold, founder of U.S. Citizens for Fair Credit Card Terms and cardratings.com. "This is a major step forward for consumers. Chase's Clear Simple program is a bright spot in the card industry and illustrates just how serious Chase is about being a consumer-friendly card issuer."

    About JPMorgan Chase Co.

    JPMorgan Chase Co. (NYSE: JPM) is a leading global financial services firm with assets of $1.5 trillion and operations in more than 50 countries. The company has more than 154 million credit cards issued. Under the Chase and JPMorgan brands, the firm serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients. Information about the firm is available at www.jpmorganchase.com.




    07/26/2007 TU-688EQ-656EX-649

    DB:2.73:Chase Announces Clearer, Simpler Credit Card Pricing Approach z3

    watchnerd wrote:I deal with media for a living and have a team that issues press releases.This is fairly clever, but also pretty transparent: there is no substance to this release. There is no explanation of what their new program actually does.And if the best endorsement quote *Chase* can get is from a guy who runs a website, that's not a good sign at all.This is a damage control release, not a disclosure of a new policy, nor is it intended to educate on what Chase is really going to be doing en lieu of the old program.So before you get all warm fuzzy about Chase, note that they didn't say they'd give up the policy of rate jacking for whatever other reason they choose, they're just not going to do it based upon 'universal default' as defined by looking at FICO scores.

    Interesting points. I know that from the moment this press release came out, it has been perceived by credit-related forums across the Internet as an announcement of an end to UD at Chase. Now that you mention it, however, it is interesting that they only mentioned the credit bureau score as the sole criterion they will no longer use to increase rates. There is no mention of late payments with other lenders being excluded from the process. If it is truly an end to UD at Chase, it would have to exclude payment performance on other accounts, as well.

    I read on another board back in January or so the story of someone who had been RJ'd by Chase due to a 30-day showing up on his reports, called to complain, told the CSR, "I thought you were stopping this unfair practice," to which the CSR replied, "That's not until March." Got a good chuckle out of the CSR sort of obliviously acknowledging that the practice was unfair.




    ----------------------------App free since 7/11/08.TU 744 / EX 710 / EQ 694 (Starting to slip. )

  • RELEVANCY SCORE 2.72

    DB:2.72:Boa, Chase Or Amex; Which Card Carries The Most Merit 7d



    Today, I called BOA and Chase using the backdoor number lists. Both stated that although I have a BK (9 years ago), it's not necessarily an automatic NO. Both cards stated they're more interested in financial health SINCE the BK. Which mine is awesome. After telling them my EX score is currently 750, they both felt I would be a for sure approval. That being said, should I apply for Amex instead or one of these two. I always felt Amex was more of a prestigious card of the rich and famous, those with 100,000$ or more job types. Does a credit portfolio look 'better' have an Amex card over any of the 'lower' prime cards. Such as Discover, Chase, BOA, Citi, etc. Thanks again friends.

    DB:2.72:Boa, Chase Or Amex; Which Card Carries The Most Merit 7d

    Nixon wrote:
    They're currently trying to jack her PRG bonus as well.

    Apparently they're sending a letter.

    I'm not surprised. They like to dangle carrots and then yank them back - credit limits, bonuses, etc... If anything, it did teach me to take a screen shot of every application landing since then. Goodluck though, I hope it works out.

  • RELEVANCY SCORE 2.71

    DB:2.71:Rejected 99



    So I applied for a Chase Freedom card with a 703 TU and 696 Equifax and a BK 7 years ago. Rejected. Your score means nothing. 700 is not "good".

    DB:2.71:Rejected 99

    navigatethis12 wrote:ando35 wrote:
    Your score means nothing. 700 is not "good".

    You're right and wrong. 700 is good, but a bankruptcy or other derogatory information is not. It's possible to have middle or low 700's with one or two cards and only one to two years of history. Scores really do mean nothing and people need to understand that when applying. People are ready to go crazy because they have an 800 score but get declined by someone. Most likely the bankruptcy is why you were declined, and in that case, a score really doesn't matter.

    Yes the score means nothing cause I just got approved for IT.....




    BK 7 Discharged 6/12 (Burned Amex, Chase and Citi)Order of approvals...

  • RELEVANCY SCORE 2.71

    DB:2.71:Chase Sapphire Preferred Approved! dd



    I stepped out of the garden momentarily for my last and final card for a very long time (scout's honor). I decided to apply for the Chase Sapphire Preferred card as I am going to Europe soon and really wanted to take advantage of the 0% foreign transaction fee. I was instantly approved with a $5000 limit. I recently opened 6 new accounts in the past couple months so this really is it!

    one questions:

    1. For those of you who have either the Chase Sapphire card or the Chase Freedom card do you have a checking/savings account with Chase? If so, do you feel that it is beneficial? I am thinking about transferring my accounts to Chase since I mostly use my Chase cards as my daily cards.




    Starting Score: TU - 684 EQ- 639Current Score: TU- 701 EQ- 715 EX- 701 from AMEXGoal Score: 750 across the boardIn my Wallet: Chase Sapphire Preferred - 5K, Chase Freedom - 4.5K, 1FBUSA - 2.4K, Walmart Discover -3K, Blue Sky Amex - 2K, Citi CashReturns - 1.5K, American Express PRG and Zync - NPSL, Delta Skymiles Amex - 1K, Discover More - 1.5K,ValuCity Furniture - 3.5K, CareCredit - 2.3K, A and F - 1.2K, Capital one - 1.25K and $750.

    DB:2.71:Chase Sapphire Preferred Approved! dd

    What is everyone's thoughts about reconning a larger credit limit? I was given a 5K limit. Do I have a chance?



    Starting Score: TU - 684 EQ- 639Current Score: TU- 701 EQ- 715 EX- 701 from AMEXGoal Score: 750 across the boardIn my Wallet: Chase Sapphire Preferred - 5K, Chase Freedom - 4.5K, 1FBUSA - 2.4K, Walmart Discover -3K, Blue Sky Amex - 2K, Citi CashReturns - 1.5K, American Express PRG and Zync - NPSL, Delta Skymiles Amex - 1K, Discover More - 1.5K,ValuCity Furniture - 3.5K, CareCredit - 2.3K, A and F - 1.2K, Capital one - 1.25K and $750.

  • RELEVANCY SCORE 2.71

    DB:2.71:My First Successfull Gw With Chase!!! 8d



    sent a nice gw letter to chase asking to stop reporting two accounts. one was settled back in 2006 for less than the full balance, and was was included in the bk back in 2009. although these two accounts were scheduled to drop off on 6/12 and 9/12, it feels so much better to have them drop off now! thanks so much to this board and the 3-4 members that sent me chase contact info. its feels great to finally have one accepted!!

    DB:2.71:My First Successfull Gw With Chase!!! 8d


    Could I get the contact info for Chase also? I have one that will drop off later this summer, but don't want to wait that long to apply.

    Thanks!!

  • RELEVANCY SCORE 2.71

    DB:2.71:What An Amazing Year! Ty All m1



    Many new tradelines this year,

    I was recently approved for Lowe's $2k and Citi DC $1k, Earlier on i was also approved for Penfed visa signature $5k . To kickoff 2014 i was approved for chase freedom $2.2k amex bce $1.5k, amex everday 5k, sallie mae 3.5k now 5.7k, assoc bank 7k, cap1 quicksilver 3k now also 5k. I filed for bk back in 2005 and at the time amex was in the bk, Then i started off the road to recovery with Continental Finance $750.00 Cap1 $500.00 and HSBC $500.00. Waited a few years then decided to app for Discover It approved 1.3k now 6.2k. At the time i closed all my old low limit af cc, Not knowing or understanding how important it was to keep my oldest account open and had to start over.

    Then i got the itch to apply for amex, citi declined due to my bk and no revolving cc.

    So i apped for a walmart discover declined, counter offer walmart store card approved for $800 now 3.3k. Applied for cap1 cash rewards fair credit approved $750.00 After a solid year of gardening those 3 cards im back in prime land. My bk is due to fall off in less than a year.

    Elan Financial 7k, Discover it 6.2k, Sallie Mae 5.7k, Penfed Cash Rewards 5k, Amex Everyday 5k, Cap1 Quicksilver 5k, Amex BCE 1.5k, Wally 3.3k, Lowe's 2k, Chase Freedom 2.2k. What are your thought's on my selection of cards




  • RELEVANCY SCORE 2.70

    DB:2.70:Finally Proud Owner Of Chase Freedom Card sx


    Looks So Good to see this.. Instant Decision ApprovedCongratulations! You've been approved for the CHASE FREEDOM credit card.
    You will receive your new CHASE FREEDOM credit card along with your Cardmember Agreement within 7 to 10 business days.

    If your application included balance transfer requests, those requests are still under review and you will hear back from us about them within the next 10 business days.
    Thank you for applying!My Sincere Thanks to All myFico Members...



    Walmart TU-724 on 12-2012EX-707 on 08-2012EQ-668on 08-2012_________________________________Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000__________________________________________

    DB:2.70:Finally Proud Owner Of Chase Freedom Card sx

    Congrats!! This card gets almost all of my usage! The cash back adds up crazy fast with a linked Chase checking account.



    EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)

  • RELEVANCY SCORE 2.70

    DB:2.70:Don't Apply For Citi If You Have A Bk mj



    Way back when I had a BK (1985) I was only 21 years old and got a little crazy with CC..

    Fast forwardto 2012 (27 years later) I sent off for a Citi CC and they said no due to a BK on my record..

    I thought it was a mistake so I called them a few days ago and sent them a copy of my EQ CR..

    Just got off the phone and was told by the rep that Citi is very unforgiving about stuff like this..

    27 years? Talk about holding a grudge.

    Just for the record I did have a Citi card in that BK.. Someone here might want to chime in if they had a BK

    in the past 7-10 years and did get a Citi card with or w/out a Citi card in that BK..




    Starting Score: 680+-Current Score: 747 to 791Goal Score: 800+ for allTake the FICO Fitness Challenge5/12 Cap 1 $500 7/12 Chase Freedom $1000 7/12 Discover More $1500

    DB:2.70:Don't Apply For Citi If You Have A Bk mj


    I had a BK in 7/02 that did not include Citi. I was approved for a Citi Dividend 3/12 with the BKstill reporting. I was also approved for a Diamond Preferred 6/02. My BK has since fallen off my reports.




    CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788

  • RELEVANCY SCORE 2.70

    DB:2.70:Chase Freedom cs


    Just applied online for Chase Freedom CC.I got message "We are currently reviewing your application.You will be notified in writing about the status of your application within 30 days,as required by law."Any idea,is this denial or I have a chance?Eq-686,TU-697,EX-689. BK 2001-Ch7.Perfect since (12 open accounts).2 Cap 1 for 5 years $3000 limit,perfect history.Had mortgage with Chase for 2 years after BK and paid off in full,no lates.ThxMessage Edited by ssavic on 12-10-2007 01:51 PM

    DB:2.70:Chase Freedom cs

    dizzier wrote:does this help?http://ficoforums.myfico.com/fico/board/message?board.id=creditcardmessage.id=44404query.id=73289#M44404Oooh yes! That helps a ton. And I noticed he said he got it after reconn, so that looks very promising.Thanks so much for the help - you're awesome!!



    Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)Goal Score: New goal: 760+ on all 3Take the FICO Fitness Challenge

  • RELEVANCY SCORE 2.69

    DB:2.69:Chase Southwest 87



    Nervous and just have to talk it out! I received an email offer for the 50k points so took a chance and applied. I knew I would get the review message because I have a BK appearing on my credit report (6+ years since discharge)and was prepared to call recon today, since I apped after hours Friday! (I don't know what my Fico score is atm, but educated guess is in the low 700's. I know - shame on me for not knowing before apping.)

    I just got off the phone with recon line. Initially the credit analyst said she couldn't approve me at this time because I had new recent installment accounts and they want to see more history on those. (I opened a CC with NFCU last year so that line is a little over a year old, and obtained a new car loan this past April - those are my two new accounts.) I asked her to look at my other credit cards and gas card for their age, as the oldest CC was opened a month after BK and have never had a late payment, and the card's limithas grown with me. (No late payments since BK, period.) Gas card was from before BK and never had late payments ever.I also pointed out my 4+ years of perfect payment history on my mortgage to also hopefully show stability. She put me on hold again. When she came back she said at this time it has to move up 1 more level for further review and I will be notified by mail within 5-10 business days, but that I'm welcome to call the app status line in the next 24-48 business hours.

    Is this a good sign??? Initial recon denied but on the fly she reviewed again then sent to the next level for further review?

    *fingers crossed*

    DB:2.69:Chase Southwest 87

    FinStar wrote:Nixon wrote:BluSkye wrote:
    Nervous and just have to talk it out! I received an email offer for the 50k points so took a chance and applied. I knew I would get the review message because I have a BK appearing on my credit report (6+ years since discharge)and was prepared to call recon today, since I apped after hours Friday! (I don't know what my Fico score is atm, but educated guess is in the low 700's. I know - shame on me for not knowing before apping.)

    I just got off the phone with recon line. Initially the credit analyst said she couldn't approve me at this time because I had new recent installment accounts and they want to see more history on those. (I opened a CC with NFCU last year so that line is a little over a year old, and obtained a new car loan this past April - those are my two new accounts.) I asked her to look at my other credit cards and gas card for their age, as the oldest CC was opened a month after BK and have never had a late payment, and the card's limithas grown with me. (No late payments since BK, period.) Gas card was from before BK and never had late payments ever.I also pointed out my 4+ years of perfect payment history on my mortgage to also hopefully show stability. She put me on hold again. When she came back she said at this time it has to move up 1 more level for further review and I will be notified by mail within 5-10 business days, but that I'm welcome to call the app status line in the next 24-48 business hours.

    Is this a good sign??? Initial recon denied but on the fly she reviewed again then sent to the next level for further review?

    *fingers crossed*

    Interesting since i was approved with one 3 month old Auto loan, one 8 month old Auto loan, and a 1 year old auto loan.

    The U/W criteria is different for the above scenario... do you have BK on your profile? do you and the OP have the same exact credit profile? Same scores accross the board, AAoA, income?

    No BK, 3yr 4mo AAoA, 678 EX FICO, 2 6yr old C/O's, 2 2yr old Medical Collections




    | EX FICO : / 13 INQ || EQ FICO : / 4 INQ || TU FICO : / 1 INQ || AAoA : 2 Years 8 Months | Updated: 04/16/15 |

  • RELEVANCY SCORE 2.69

    DB:2.69:Blacklist Question -- Nfcu And Chase 1k



    Does anyone know if Navy Federal and Chase Blacklist? Ihave a dismissed BK (Chap. 13) and settled for less than full amount on my Navy Fed and Chase accounts. They now show zero on my credit bureau reports.

    DB:2.69:Blacklist Question -- Nfcu And Chase 1k


    IIB Chase back in 06 (chapter 7) and was just let back in this month - after speaking with the Recon dept was approved for a CSP for 7k.

  • RELEVANCY SCORE 2.69

    DB:2.69:Okay, Need Help With Wording jp



    Alright, This is a great forum! it has helped me plenty!! I wanna save an INQ if I think I know the meaning of this.. when I see credit history clear of serious delinquencies or bankruptcies message on chase app page does this means no recent BK such as no fresh BK within 12 to 24 months old ? or does my BK have to fall off completely on all CRA's ? ( 3 more years, I think for my BK to fall off completely )




    EQ: 690 TU: 684 EXP: 687 UTIL at 33% still has not been updated to 5%BK7 7.5 years old

    DB:2.69:Okay, Need Help With Wording jp

    +1



    Closing Credit CardsThe Definitive Amex 3X CLI GuideFrequently Requested Threads

  • RELEVANCY SCORE 2.69

    DB:2.69:Cc Advice Needed... cs



    I started rebuilding credit back in 1/2011. 540s to 670s now. BK in 2005.

    I have 4 CCs as of now, not including a Kay and Jared, TJX Rewards store cards.

    I have an Orchard Bank stuck at 320, despite 12 months of perfect payments and Balance near 0, they will not raise the limit.

    I was just hit with $59 annual fee.

    Will closing this account damage my credit? Should I just keep it open and at zero since I already paid the annual fee?

    I have two Capital one Mastercards, first one is $500 limit, 2nd is $750 limit. ( should go up in July due to credit steps program).

    Should I ask to merge these 2 cards or keep both open? Which option is more beneficial. The new one has cash rewards, first one does not so I rather not use it at all.

    My last card is my local FCU Visa. Started with Secured line of $500 in 1/2011, changed it to unsecured in 6/2011. Now it is 2/2012, should I ask for a CL increase or wait?

    I was recently turned down for Discover due to the BK in 2005. Do I have a chance with Chase Freedom?

    Thanks to all that answer...




    Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720 Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200

    DB:2.69:Cc Advice Needed... cs

    randaljon wrote:
    I don't think Orchard Bank will convert to Capital One. I think only store cards serviced by HSBC will be converted to Capital One... Am I wrong?

    I don't think it's been officially confirmed one way or the other; however, no Orchard card customer has received any notification AFAIK.

    Personally I'm betting they don't roll in Orchard, but that's a WAG for certain.




    Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)Goal Score: 700 on EQ 04 (01/01/16)Take the myFICO Fitness Challenge

  • RELEVANCY SCORE 2.69

    DB:2.69:Did Chase Or Citi Approve You W/ A Bk Recently? 8s


    Hi there,I'm very interested in these prime cards, but since I have a BK that's less than 7 years old I'm afraid that they won't approve me. I've had no baddies since the BK and have rebuilt since '05 with an Orchard Bank. I do have some new credit that needs to age as well.If you've been approved with a BK, please share your scores, report pulled, approval CL, and if you had any recent baddies since your BK.Thanks for your help. Maybe I'll work up the nerve to apply based on your responses.

    DB:2.69:Did Chase Or Citi Approve You W/ A Bk Recently? 8s

    I got both with a BK7 slightly over 7 years old last year. Matter of fact I included Chase in my BK. Not major dollars though just a few K.

  • RELEVANCY SCORE 2.68

    DB:2.68:Car Care One ad


    I already have Care Credit with GE. However, I was turned down for a Car Care One because of my BK. The weird thing is they approved me in April for $3500 to have LASIK. Any thoughts on why they would approve with BK 6 months ago and a turn down with higher credit scores?



    Barclays US Air $15K| TTCU $15K| Chase Slate $10K| Citi Diamond $10.5K| AMEX BCE $10K| Discover IT $7500

    DB:2.68:Car Care One ad

    THere are amany reasons a creditor will approve you for one type of loan and not another. Not personally a fan of GEMB but a recopn never hurts. They could feel they have enough risk exposure with you currently since autos are usually approved with a different scoring model this may also come into play.

  • RELEVANCY SCORE 2.68

    DB:2.68:Any Gas Cc's Out There Who Will Approve With A Bk 3a


    Hi everyone, does anyone know if there is a major gas cc out there who will approve with a BK on a cr. Thank you for any information.



    Starting Score: EQ 546 TU 566Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New AccountsGoal Score: 800

    DB:2.68:Any Gas Cc's Out There Who Will Approve With A Bk 3a

    I had filed for BK in Oct-05 and last May i got approved for Chevron cc .Good luck to you,and if you have any more question you can call 1888 699-9581

  • RELEVANCY SCORE 2.68

    DB:2.68:Software For Rs232 And Scpi And Bk Precision Function Generator p1



    I am looking for someone to write a small program on a computer to interface with the Bk Precision 4084 AWG Function Generator. The interface is Rs232...protocol is SCPI. If you can help me I would greatly appreciate it.

    Sincerely yours,

    Mysunshine

    DB:2.68:Software For Rs232 And Scpi And Bk Precision Function Generator p1


    Hello MS,

    You can also go to ni.com/idnet to learn more about developing your own instrument driver or request an instrument driver. It would also be worthwhile for you to look at the Instrument Control Fundamentals page.

    Cheers,

    NathanT

  • RELEVANCY SCORE 2.68

    DB:2.68:Chase/Wamu Merger k7


    With the whole Chase/Wamu merger, what I am wondering is for those of us that are "adopted" to the Chase family (us Wamuians, if you will), will Chase attempt to slowly rid of certain customers who don't meet their image of "Chase Material" or will they graciously try to accomodate us the way they do their existing customers? I have two Wamu cards with excellent history and have always contemplated acquiring a Chase card but never attempted due to BK in 2001. (I know Chase asks this question before you ever even apply). Any thoughts???TU=712EQ=672EX=675

    DB:2.68:Chase/Wamu Merger k7

    I also have a cc with Wamu, and I'm hoping it will convert to a Chase MC, that would be awesome! IMO, I believe they will convert all cc accts in good standing and sell off the delinquent ones. I'm a little worried since I included a Chase Visa in my BK 11/05. Any thoughts?



    08/08 FICO TU649 EQ645 EX63912/08 FICO TU665 EQ672 EX66703/09 EQ650App-free since 01/29/09

  • RELEVANCY SCORE 2.67

    DB:2.67:Credit Friendly Cc's After Bk fa


    Hi all, I am new here so I hope this gets to the right place. I am 67 yr old who is trying to rebuild my credit, ( believe it or not ), after i filed bk way back in july '99. I have only four months to go and I have been turned down for a credit card account by Wamu, my own bank, cap one, chase and even exxon-mobil because of the bk. I dont have any cc's, car payments, revolving accounts etc. The only thing I owe is my mortgage. I have had a perfect mortgage payment record my whole life. I never missed a payment or was late. My "ex" drove into bk and I have paid for that for almost 10 yrs now. My question is, I dont understand how many of you are getting approved with recent bk's on your credit reports. My credit scores as of yesterday are 647, 670, and 703. If any one has any suggestions I would appreciate the help. Thanks



    FICOSTU 802 4/7/15EX 808 4/17/15EQ 831 4/26/15NASA 30K / / Amex 20k / / Chase Freedom 10.6k// Venture 20K / / / / / SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps?Goal - At my age, just staying alive

    DB:2.67:Credit Friendly Cc's After Bk fa

    Thank you for your info and help.... don



    FICOSTU 802 4/7/15EX 808 4/17/15EQ 831 4/26/15NASA 30K / / Amex 20k / / Chase Freedom 10.6k// Venture 20K / / / / / SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps?Goal - At my age, just staying alive

  • RELEVANCY SCORE 2.67

    DB:2.67:Chase No Longer Bk Friendly At All? pm


    So my friend had Wamu card that converted to Chase with 8k CL. He closed it about 4 months ago and last week applied for a Zappos card, it was declined for bk... so I said oh that's just the computer, call this number and talk to credit. he did and the lady told him Chase will no longer give cards out or loans to people that have bk on there file within last 10 years and sorry you closed your last Chase card.



    Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)I'm just trying to catch up to RON1Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)Lowest Limit: Target $20080 Cards and Counting

    DB:2.67:Chase No Longer Bk Friendly At All? pm


    Chase is ridiculous. They won't loan to someone who clearly has learned from the past and rebuilt good history....but they sure will toss credit cards to 18 year old college students like candy.

  • RELEVANCY SCORE 2.67

    DB:2.67:Auto Loan Post Bk 9f



    I just wanted to share with everyone that is light at the end of the tunnel

    My BK was discharged in 04

    06 - I got a car loan at a whopping 24-26% ( i dont remember precisely) but I figured once you get that high, who's counting really

    Fast forward ( clean report) 9 years post BK - I got another loan with a prime lender ( Chase) for 3.9%

    I hope this helps to all fellow BK filers that are seeing that high interest rates





    BK7 Discharge: October 2004 Starting Score: 590 December EQ EX TU FICO Score: 825 827 827

    Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

    Gardening Since: June 2012 Garden Goal: October 2014

    Wish List: | Amex SPG

    DB:2.67:Auto Loan Post Bk 9f


    I dont remember in details

    a couple of household bank chargoffs, and maybe another few 60+ late payments

    before i filed the BK





    BK7 Discharge: October 2004 Starting Score: 590 December EQ EX TU FICO Score: 825 827 827

    Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

    Gardening Since: June 2012 Garden Goal: October 2014

    Wish List: | Amex SPG

  • RELEVANCY SCORE 2.67

    DB:2.67:Low Limit With Chase zk



    I was recently approved this month for a Chase Amazon Visa but with a somewhat disappointing starting limit of $500. I'm actually quite glad to be approved with Chase as I let both a Chase Student Visa + Providian account go to collections many years back...and I was afraid they might have blacklisted me as a result.

    For those that start with low limits like this, is Chase very good for auto-CLIs after 6-12 months?

    I do a lot of shopping through Amazon and will be using the card for restaurants/fast food as well so it should get some regular usage. I think the low limit may be due in large part to the number of new accounts opened this summer (Amex, Discover, and Target are only a couple months old).




    $17.3K$500$7K$15K$5K $2300$3200$2000 $1500 $1000$8100Garden Since: 9.25.2013

    DB:2.67:Low Limit With Chase zk

    I had a $2500 Wamu Platinum that was taken over by Chase, at which point Chase immediately tried to hike the rate from 9.24% to 19.99%. Needless to say, I closed the account. Chase is pretty lackluster in regards to their sky high aprs.



    Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

  • RELEVANCY SCORE 2.66

    DB:2.66:Back In Prime Land! dc



    I was approved for chase freedom 2200 and amex bce 1500. I filed for bk back in 2005. At the time amex was in the bk,, Then i started off the road to recovery with continental finance 750. Cap1 500 and hsbc mc 500. Waited a few years apped for discover it approved 1300 now 2200. At the time i closed all my old low limit af cc, Not knowing or understanding how important it was to keep my oldest account open.

    Then i got the itch to apply for amex, citi declined due to my bk and no revolving cc.

    So i apped for a walmart discover declined, counter offer walmart store card approved for 800. Applied for cap1 cash rewards fair credit approved 750. After a solid year of gardening those cards im back in prime land. My bk is due to fall off in 9 mo, and my tu 724, ex 720, eq 728. Back to the garden im very happy




  • RELEVANCY SCORE 2.66

    DB:2.66:Chase Program Changes Not Working_L9 p7


    All other midi events are behaving as advertised. But "Chase Program Change" does not. It IS checked in project midi settings. Won't chase a Vi within Logic or with external midi slaves.
    Program change works as playhead crosses region, but should chase event from anywhere in prior timeline, like any other cc event.

    Is it me? Does this work for anyone else.

    Thanks for any info

    Mark

    DB:2.66:Chase Program Changes Not Working_L9 p7

    oops..pilot error. The controller sending patch change info sent on a different channel than the note data. Needs to be same channel event to chase, though not to play in real time. Lesson learned.

    Thanks

  • RELEVANCY SCORE 2.66

    DB:2.66:Chase History jf



    I know there are threads about this however I'm specifically interested to hear of anyone with success in either app or recon for a CSP (specifically those who had burned them in the past for whatever reason). Never had a BK myself however did run into trouble years ago due to an injury and since paid them off years ago (to where it isn't on my CR anymore even). As such I'm tempted to app them in the future at some point but I'd like some feedback on profiles and how long a memory they tend to have. (Amount was around $1k approx).

    My current scores are all above 660 at this point (however I'm guessing the odds significantly improve around 700+ with them).

    DB:2.66:Chase History jf


    Well back to resetting my seedling GC status. I ended up pulling the trigger on them as their rewards program on freedom is pretty decent. Approved for $3k CL - they clearly do have a long memory however they are good on recon and do factor in recent restablishment as well.

  • RELEVANCY SCORE 2.66

    DB:2.66:Looks Like Chase Has A Looonnnngggg Memory! - Has Anyone Gotten A Chase Freedom After Bk? fs



    I had posted in the thread asking about what our post BK FICO scores are now. BK 7 filed 9/08 and discharged Jan 2009.

    My scores are below: 705 (TU) and 682 (EQ). I mentioned I was trying to get out of the subprime cards, because all the rebuilding I am doing now is through Cap One, Best Buy, Credit One, First Premier (ewww) and Barclays itunes. They are all sub prime except for the Barclays card, I think it might be a prime or semi prime.

    So I took the plunge and apped for Chase Freedom (dumb, I know now).

    Got denied right away. Called for a recon and spoke to a rep. They pull EQ. The rep said I had to wait a while because of the BK. I asked how long. She said 10 years!

    What????

    Turns out that my EQ report is not showing any AAoA. It shows zero! It is some sort of software glitch because I never had that issue before and now all the beginning dates of every line of credit, cc and mortgage that I have had for many, many years was shown "backward" so the AAoA reflected as zero in one spot and NaN in another.

    Course I didn't know that when I was talking with the Chase rep.so I think that is a huge factor. Then she mentioned the $15k that I BK'ed on Chase in 2008. So it looks like I am in subprime territory for a while because I had Chase, BOA and some other prime cards at the time.

    Has anyone else had a Chase card after including Chase in their BK? And if so, how long was it before approved you?

    Mods: this might need to be moved to the rebuilding forum. Thanks.

    BUMP! Looking for anyone that has received a Chase card after their BK...please give your experience and how long since you were discharged (and if you had included them in your BK). Thanks!

    DB:2.66:Looks Like Chase Has A Looonnnngggg Memory! - Has Anyone Gotten A Chase Freedom After Bk? fs


    I included chase in my BK in '04. I had a WAMU card that converted to Chase in '08/09. I've had 2 small CLI on the cards and a product change recently to a Freedom card. My scores are 720ish.

    I'm pretty certain they keep a record of your previous accounts more than 10 years and may have an impact on decisions, but don't think it blacklists you 100%

  • RELEVANCY SCORE 2.66

    DB:2.66:Cell Phone Contracts After Bk? 7j



    Time for a new cell phone contract! I can tell what credit cards to apply for with a bk, but what cell phone carriers will sign you up with a ch 13 bk?




    Just puttin' syrup on something, don't make it pancakes.

    DB:2.66:Cell Phone Contracts After Bk? 7j

    Thanks creditchief - that kind of info helps a ton! Glad to hear you're still happy with Sprint. Wish me luck!



    Just puttin' syrup on something, don't make it pancakes.

  • RELEVANCY SCORE 2.65

    DB:2.65:Amex And Bk p7



    I had a BK in Sep '04; current FICO around 670. Does anyone know what AMEX's underwriting rules are on new accounts with a past BK (a charge account not revolving). When I BK'd in '04, it unfortunately did include a green card with $800 bal.




    Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,

    DB:2.65:Amex And Bk p7

    Good luck on your research and please do share your results. Do not apply for any of there products. You will most definitely be denied. Don't waste the hard inquiry.



    Starting Score(02/10): EQ: 340 -- TU: 340Current Score(07/10): EQ: 580 -- TU: 565Goal Score: 680Take the FICO Fitness Challenge

  • RELEVANCY SCORE 2.65

    DB:2.65:Chase With A Bk ds


    seen alot of talk about chase and prev bk and alot of times people have been able to recon..in your opinion which is the easier if any to get with chase??also what has best benefits?thanks!



    ~01/2008 Ficos TU 571-EX 647-EQ 652~~3/21/2009 Ficos TU 705 EX 702 EQ 692~~9/9/09 Ficos TU 718 EQ 693 EX???~06/25/12 Ficos TU 719 EQ 677 EX??

    DB:2.65:Chase With A Bk ds

    thanks smallfry i guess..ahahah i've been blessed it's only recently that i've been having sucess and it wouldn't be possible without this board, hardwork and determination and the man up above!!thanks to you all!!



    ~01/2008 Ficos TU 571-EX 647-EQ 652~~3/21/2009 Ficos TU 705 EX 702 EQ 692~~9/9/09 Ficos TU 718 EQ 693 EX???~06/25/12 Ficos TU 719 EQ 677 EX??

  • RELEVANCY SCORE 2.64

    DB:2.64:Chase Freedom Approved W/ Bk 7a



    Ok, after speaking with recon twice, I was able to get approved for $500 cl. It is low, but hopefully that will be change with CLIs in the future.

    So now 8.5 years after bankruptcy, I have

    Amex Blue Cash Preferred,

    2 Citi Forwards (I didn't want two, a product change from mtvU caused this),

    Walmart

    Walmart Discover (anyone know if these can be combined?)

    Orchard Bank

    Best Buy Mastercard

    Old Navy Visa

    Discover More

    Chase Freedom

    Citi Dividend Platinum Mastercard

    DB:2.64:Chase Freedom Approved W/ Bk 7a

    daisydvm wrote:
    Your story is an inspiration though...you have done well for yourself. I am pretty content with my cards but I have my eye on the AMEX Delta. Primarily because I fly Delta ALL the time. It would be nice to get some extra frequent flier miles. That is my goal card and I'll wait patiently for it.

    Congrats on your credit journey again. The end is in sight and that pesky BK will be off your records before you know it

    Thanks! Being an inspriation may be why I ended up here...and to get advice myself. I am at the point where I did just about everything I can do on my own without advice. But just because I need advice doesn't mean I can't show others getting out of the bk pit is possible. I remember thinking it wouldn't happen until the record fell off my report. Now I know that I used to be wrong.

  • RELEVANCY SCORE 2.64

    DB:2.64:Bk And Future 9s


    I recently filed for BK and waiting for my discharge. What should I expect and how can I better improve my FICO score even with BK?

    DB:2.64:Bk And Future 9s

    Thanks for the information. I had 3 judgements against me. 1 was from and apartment complex, cc, and the other my homeowner s' association of all people. But as soon as the BK was filed they stopped the liens on my accounts. But not without my bank charging me legal order fees even after that fact of filing. I am glad I am getting a new start. I reaffirmed my cc from my credit union and my car notes. This should help me in rebuilding what was lost in lack of credit education and pure stupiditiy. The advice on here is great. Thanks.

  • RELEVANCY SCORE 2.64

    DB:2.64:Post Bk 7d



    I am two weeks post BK and in need a vehcile. I have some money to put down but not a huge amount. Ive applied for Capital One, Chase, and Santander loan. I have been denied with each. Im trying to avoid the dealer route because in recent meetings ive felt like they tried to screw me with price padding.

    Anyone have any ideas?




    EQ: 596 TU: 631 EX: 616 [CH7 Discharge 10/29/14] [Gardening since 3/23/15]TruMark Rewards $2000 | Discover It Sec $1000 | Capital One Sec $800 | Walmart $400

    DB:2.64:Post Bk 7d


    Agree with Creditaddict. Seems like you found an honest to goodness honest car sales rep! Hard to believe, but his advice is dead on....

    So glad to hear you are going to listen to him and reward him with your purchase when you and your credit report are ready

  • RELEVANCY SCORE 2.64

    DB:2.64:Chase Flexible Rewards Program za


    DF received a letter today that her Chase Universal Studios MCwill be discontinued at the end of next month, and at that time her card will be converted into a Chase Flexible Rewards card.

    She likes the Universal Studios rewards program because for every 900 points she gets a free movie ticket, which runs about $11 in our neighborhood, so that ends up being a pretty nice return, better than the 1% standard anyway. Thanks to this card, we never pay to go to the movies anymore. We probably have 5 or 6 movie passes sitting around here that we haven't even used yet.

    Now that we know this card and rewards program will be discontinued, I'm curious about the Chase Flexible Rewards program. Does anyone with access to the program have any input on how the Chase Flexible Rewards program stacks up to other programs, like Citi ThankYou Network, for example? Is it the standard gift cards and merchandise kind of program, withthe typical0.8% return? It doesn't sound very appealing if that's the case.

    If she decides she doesn't want this card after all and would prefer Chase Freedom or something along those lines, Chase is pretty good about product change, aren't they?




    ----------------------------App free since 7/11/08.TU 744 / EX 710 / EQ 694 (Starting to slip. )

    DB:2.64:Chase Flexible Rewards Program za


    Cheddar,

    This website explains the basics of the Chase Flexible Rewards card (generally issued as a Platinum Visa). I've carried one of these ($4k limit, 8% fixed APR) for about 3.5 years now and would say it is overall a general basic rewards card (1% everywhere, but often2% during certain times of the year). You'd also have access to Chase Rewards Plus shopping, of course, for those specific stores that yield 10-15% rewards. This card came into being aroundthe height of the rewards card frenzy earlier this decade but has since been surpassed by the Freedom product line in my opinion. Originally, this was for those with excellent credit but has since slipped to good, I believe (the Freedom kind of took its place in the excellent credit category). Chase doesn't advertise it, but they do have a Signature tier version of this card available - assuming you want one and can score a credit line of at least $5000. That number seems to be the breaking point for at least Capital One and Chase regarding Platinums and World/Signature cards.

    http://www.chasecreditcards.com/chase-flexible-rew​ards.asp OR

    http://www.firstusa.com/cgi-bin/webcgi/webserve.cg​i?partner_dir_name=cac_chase_flex_rewardspage=ind​...

    (I recommend the 2nd link)

  • RELEVANCY SCORE 2.64

    DB:2.64:Chase Cards a7


    Hey,What are the differences between the Chase Platinum Visa and the Chase Freedom?Can you have 2 cards from Chase and what would be the otherChase card that I should try for in 6 months?Thanks,Bobby



    Fico:EQ 690 (4/24/15) EX 677 (4/19/15) TU 658 (3/19/15)Credit after BK DC 1/14/14: C1 Venture One $10,000 / C1 Quicksilver WMC $6000 / Sams Club Store Card $437 / JCPenny $500Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500

    DB:2.64:Chase Cards a7

    thrasher865 wrote:haulingthescoreup wrote:but unless there's a school that lets you pay tuition with AmEx, I don't see how! I wonder.....The Big Arnj doesn't; I tried. BobbyJ wrote:Hey, What are the differences between the Chase Platinum Visa and the Chase Freedom? Can you have 2 cards from Chase and what would be the other Chase card that I should try for in 6 months? Thanks,BobbyHi, OP, so sorry, have we lost you? I'm the world's worst threadjacker, and I'm supposed to be setting an example or something. Have you checked out either card yet? Chase Freedom is on my list, but it's an EQ puller in my area, and I can't have any more EQ inqs for now. But I think that if you could get it instead of the straight Visa, it will wind up being a better card in the long run, especially when combined with another rewards card where you can assign certain cards to different categories.



    * Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

  • RELEVANCY SCORE 2.63

    DB:2.63:Look Out Chase! 11



    Our BK was discharged 12/05 and Chase (CC account) has been reporting it incorrectly ever since (was marked as charge off for years and now shows it's in collections and that it's an open account). I've been disputing it for at least 18 months and got our BK lawyer involved back in April. He has also been unsuccessful in having them report it as IIB. Looks like we'll be going after them if they don't change it this time! Here's part of an email I just got from our BK lawyer!

    DB:2.63:Look Out Chase! 11


    Our BK was discharged 12/05 and Chase (CC account) has been reporting it incorrectly ever since (was marked as charge off for years and now shows it's in collections and that it's an open account). I've been disputing it for at least 18 months and got our BK lawyer involved back in April. He has also been unsuccessful in having them report it as IIB. Looks like we'll be going after them if they don't change it this time! Here's part of an email I just got from our BK lawyer!

  • RELEVANCY SCORE 2.62

    DB:2.62:Bankruptcy Rumor 11


    I had heard a BK rumor long ago. It was explained to me that your credit score is compared with everyone elses's while a credit report with a BK is scored on sort of a tiered scale. Your score with a BK is only based/compared with those with a BK?

    DB:2.62:Bankruptcy Rumor 11


    If it was in Nov 02, you can dispute for removal now. TU will remove a month or two early, the others the same month. Why wait?




    Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642 Goal Score: For now: 640sTake the FICO Fitness Challenge

  • RELEVANCY SCORE 2.62

    DB:2.62:Citi Bank Blacklist???? j1



    I applied for a CITI card with a 1993 BK which included CITI. I went through the whole online application which included verifying information through online chat with CITI rep only to be denied due to 1993 BK. I called CITI to inquire and the representative said that he could call a department to have the 1993 BK overwritten. He put me on hold and came back and said I was still denied due to collection on EX. I have three paid CO's from 2008 listed. I tell this story in the event that there are those that have an old BK who were denied a CITI card due to old BK. It appears that CITI can (at least I was told) override an old BK. Hopefully, this helps someone in the future. The number I called was 301-733-5501.




    EX FAKO 733/FICO 712 EQ FAKO 716/FICO 701 TU FAKO 732/FICO 706Total Credit Limits: $367,190 (July 2013 starting credit limits totaled $2,700) - Goal SURPASSED (What to do now...)current utilization: 3% - current AAoA: 1.8-2.4 yearsIn my wallet: Amex(25.1k), Barclays(12.9k), BofA(30k), Capital One (25k), Chase(10k), CITI(1k), Diners Club(30k), Discover(14.5k), 5/3(18k), Equality Visa(4k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), Synchrony(42k), USAA(42k), US Bank(5k), and Wells Fargo(35k).

    DB:2.62:Citi Bank Blacklist???? j1


    Thx for the info, I was denied in Nov 13 for BK in 96, doubt I will ever app with them again but I will keep the number around.




    EX Fico 08 BC 02/15: 790 (-7); EX Fico 04 V2 06/14: 775EQ Beacon 5.0 12/14 757TU Fico 8 04/15: 757 (0)

  • RELEVANCY SCORE 2.62

    DB:2.62:How Is Chase? a7



    How long out of bankruptcy do you have to wait to build a relationship with Chase? I am currently with a Credit union but there co-op atms and centers are spread out around my county and it is always inconsistent with where I am at. I need a bank that has multiple locations around my area. I was discharged from BK in June. I have 2 installment loans and three current open low utlization cards. Orchard, Secured Cap and First Premier(I know).. 0 balances with gym membership running through orchard. I am also a AU on my girlfriends Cap 1. The damage was done all accounts that were mine are in IIB other than those accounts my CR are clean except for a charge off from 2009.

    I am just waiting for ALL my inquiries to drop. Until I do apply for anything. Do they do HP for bank account? I was thinking about switching to Chase and start building a relationship with them.




    Last App: 9/16/13BK Discharge: 6/12NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |

    DB:2.62:How Is Chase? a7


    If you just need cash, I'd just buy a soda and take out $40 somewhere. It just chaps my hide to pay $6 to withdraw my money.

  • RELEVANCY SCORE 2.62

    DB:2.62:Need Help With Post-Bk Cr... sx



    We had a Chapter 7 BK in 2009. Prior to that, I had completely stopped paying bills, at the advice of my attorney, (BIG MISTAKE!) I ended up with 18 accounts going to collections. They are all reporting as "Included in Bankruptcy", the problem is, each account is on there TWICE! When I pull my EQ CR, the first page reads "Collections 39!" That CAN'T look good to a lender. These are only reporting on my EQ report, and my EQ FICO is much lower than my other scores. (EQ 587 vs. TU 620, EX FAKO 650)

    Is there anything I can or should do to fix this? Is it affecting my score much since they are all listed iiB anyways? My score may also be lower on EQ because I am AU on my mom's Chase Visa with 10k limit, and EQ doesn't report AU. At least not for me! LOL So according to EQ I only have 2 Capital One CCs with a total CL of 1.5k. ($50 bal on those)

    I have recently been having some success with PFD and GW, and was wondering whether I should bother with these pre-BK CAs? Any advice out there? My mom had charged up her Visa for a kitchen reno and it is currently reporting at 90% util, but she paid it off last week so I am expecting a nice bump with TU and EX shortly. Won't help my dismal EQ though! Help!!

    DB:2.62:Need Help With Post-Bk Cr... sx


    Thank you all for your suggestions I appreciate the guidance and support of the MyFICO family!




    Starting Score: 519Current Score: 650Goal Score: 700Take the myFICO Fitness Challenge

  • RELEVANCY SCORE 2.62

    DB:2.62:Credit Card Companies And Bk 7z



    Do certain credit card companies automatically reject you when you apply for a credit card because you have a BK on your credit report? I had a BK back in 2007 and my current FICO is 720 and was thinking about applying for a chase credit card but i've read many posts on credit karma where people were claiming that they were auto rejected because of BK. Thank You for any info on this matter.

    DB:2.62:Credit Card Companies And Bk 7z


    I have a BK7 from 07 on my reports. I was just approved for AMEX ED at $11.3K. I've had Discover at $6.5K for almost 2 yrs. and I have 2 Barclay cards total $15.2K.

    I had a Chase Freedom that started as a WaMu Platinum Visa. When Chase took over from WaMu they cut my limit in half and raised the APR. I put in an app for the CSP and Marriott card both were declined even after recon.

    That's my experience but others with blemished records have reproted success. A lot depends on what card you app for and how your profile has developed since the BK.

    Good luck!




  • RELEVANCY SCORE 2.62

    DB:2.62:Stategic Default, Settlement Or Bk? Please Help Me pp



    Hello,

    Please help me-- Im desperate for some hope and direction. Like everyone else…I have 100’s of stories of how responsible I always was with my credit until… I fell in love. skip skip… She left and im stuck w/ 40K on 2 BofA unsecured cards at ~7.99. BofA will not negotiate (~unless I miss pmts.) CL’s all dropped last week.

    Only a year ago, I paid for the wedding and was ready to put $ down on a 1st time home. Now still renting, heartbroken, broke but not broken. My new goal is to be out of debt and be back on track to buy a home in 4yrs. I still have a 730 fico, 8K extra cash, 11 years self employed, no other debts and might be able to pay off the 40K in 4yrs…

    My question is-- in 4yrs, wouldn’t I rather meet w/ a lender with a bad credit score and a derogatory, but have ~40K to put down on 200K house? Or would I rather have a great score and no money down? I just need some help projecting out my options based on my situation.

    Pay it off? Strategic settlement? or strategic default? Pros Cons? Fico point drop predictions? What resources might someone like me consider, CCCS, BK lawyer, or one of those 1-800 offers. I have been getting so much biased advice from program pushers my head is spinning. I just need some honest direction and a lil love.. please help me.

    Steven




    In the Garden as my TU dipped from 774 to 578 just after I filed BK (Oct 2014). Watching and waiting my PACER for pending discharge.NFCU $500.00 Secured card, Fry's Electronic Unsecured Card 3K Limit

    DB:2.62:Stategic Default, Settlement Or Bk? Please Help Me pp


    I like the way you think Macro The ex was added as an authorized user during our 6-month marriage. This was done with her over the phone. Her low credit would allow for her to be a co-signer. She was issued two CC’s in her name. I now have both of those in my possession.

    Thank you Daisy Okstate! You have made some valid point against a strategic default despite how great it would be to have more money to offer a lender in a few years if this 40K was gone today. Following my original “meeting with a lender in 4 years” scenario:

    A) Sit down with with 40K cash to put down on house but have a low 600 and a derogatory?

    B) Sit down with 0 cash with a high 700?

    Instead maybe I should be considering a C:

    C) Sit down with ~10-15K with a mid ~700 after setteling and hopefully have a derogatory that doesn’t sound too incriminating?

    I am soooo grateful for your guidance!!




    In the Garden as my TU dipped from 774 to 578 just after I filed BK (Oct 2014). Watching and waiting my PACER for pending discharge.NFCU $500.00 Secured card, Fry's Electronic Unsecured Card 3K Limit

  • RELEVANCY SCORE 2.62

    DB:2.62:For Those Of You With Discharged Bk Cases (7 Or 13) kz



    Did you all get 1099-C forms for the tax year you were given your discharge? I know forgiven debt requires to be included in your gross income for tax purposes, but a BK excludes it.

    I know with the IRS, you have to filea FORM 982 to claim discharged debt in a BK, but, I was just curious.

    I didn't think about this prior to filing, and our attorney said it had no impact on our taxes (which is right, but, more tax forms...bleh).

    Thanks!




    BK Discharge 2/11/14Currently in the garden.

    DB:2.62:For Those Of You With Discharged Bk Cases (7 Or 13) kz

    0REDSOX7 wrote:
    Did you all get 1099-C forms for the tax year you were given your discharge? I know forgiven debt requires to be included in your gross income for tax purposes, but a BK excludes it.

    I know with the IRS, you have to filea FORM 982 to claim discharged debt in a BK, but, I was just curious.

    I didn't think about this prior to filing, and our attorney said it had no impact on our taxes (which is right, but, more tax forms...bleh).

    Thanks!

    I recieved and included the 1099C. I had an accountant do it and she also included an insolvent letter. I figure with my luck I would be a person to get audited..




    BK 7 Discharge 01/11/2013Myfico Starting Score: 03/21/2014 611, NFCU 09/22/2014 662 , MyFico 10/24/2014 640IN my purse : ; NFCU GoRewards $12,500 ; VS $500 ; TJX $800In my desk drawer :,NFCU CashRewards $12,000Last app 10/20/2014

  • RELEVANCY SCORE 2.62

    DB:2.62:Anyone Been Able To Get A Bank Of America Credit Card After Bk7? 13



    trying to re establish after bk 7 that will be 5 years next month. has anyone gotten or know if bank of america will approve if you have a bankruptcy ? since i am hitting that 5 year mark I know that there are some banks that won't approve you until after 5 years. I was thinking bank of america is one of them..or are they one of those that I have to wait until it falls off?

    I need a prime card..I claimed chase, citibank and discover in my bk so it is difficult to get the better cards because those are basically the prime cards...besides bank of america that is.

    I don't have any lates on my report since bk and utilization is 30%. on the cards I do have. I don't have a car loan..I paid it off the year before my bk...and my home was included in the bk even though I kept it and still maintain the mortgage payments but they just donn't report them anymore..

    thanks for advise!

    DB:2.62:Anyone Been Able To Get A Bank Of America Credit Card After Bk7? 13

    LindaLu wrote:
    no other negatives othe than the bankruptcy...but the accounts I claimed in the bk still show on report as derogatory...not sure if that is the way they should show but I haven't been able to get that changed...I mean the balances all ar zero...

    I think it is because I don't have what they call "credit mix" mycar is paid off..my mortgage as stated in my original question was included in my bk even though I

    kept it and still pay the mortgage..they just don't report to the credit bureaus.

    I have a kays and jareds card just added las june so I kind of think that brought down my AAA...it's 4 year 2 months.

    not sure what else I can do.

    Only real thing to do is keep your head up and continue paying your bills on time and gaining postive history while letting your BK age more and more....you can do it!!




    Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

  • RELEVANCY SCORE 2.61

    DB:2.61:Several Years After Bk7, Want To Re-Establish With Bk'd Prime Ccs xm



    I filed BK7 in 2004 because of some extenuating circumstances. Since I had to file anyway, I included my cc's that i had at the time. These included MBNA, Chase, and Citibank. A couple of years later witht he help of a relative I managed to become au on an amex and joint on a chase freedom, and discover. Since shortly after BK i have been pretty much perfect with my payment thankfully. My questions are:

    1)since I have managed to start a new relationship with Chase through being a joint holder, and successfully managed this account for a few years, do I have any chance of getting my own card now with scores about 700-710? Or do I have to wait until they are off my report or the Bk is? The logical answer would be that I have to wait but I was hoping since I have managed to start another successful relationship with them maybe I could get my own.

    2) Is there any chance Citibank would accept me again? I had a few accounts that were closed and paid in good standing.

    3) Last, Bank of America. The account in bk was mbna, which turned into bank of america. Any way maybe i get passed through the system? I currently have a checking and my mortgage through bank of america.

    I know this is alot of questions, and your answers may just be speculation but I'd like to hear anyone's experience or opinion. Thanks for everything.

    DB:2.61:Several Years After Bk7, Want To Re-Establish With Bk'd Prime Ccs xm


    When I got my Wachovia cc, I had a somewhat sad looking report. Had some CO's, several lates IIRC, about a low to mid 600 score. They gave me 7k limit too. While I did have a checking acct with them for years, a couple auto loans, it's not like I had any real "assets" to speak of when they approved me. Also, during all this rate jacking going on, I'm still at 10.9 was at 7.5 before the banking mess. Another plus...they're GW friendly, not that I ever want to go back there again.

    just my .02 Mo




    Starting Score: 02/2015 TU 709 - EQ 676 - EX 729Current Score: 02/2015 TU 709 - EQ 676 - EX 729Goal Score: 850Bury me in the garden...last app 12.19.14

  • RELEVANCY SCORE 2.61

    DB:2.61:Open Collections jp



    Hello,

    I am new to the forums, but I have been reading them for a couple of weeks because of all of the good information. I filed BK in November of 2010. It was dischared in April of 2011. There are two open collection accounts showing on my CR that were included in the BK. One is a medical bill for $175. The pay status reads "included in BK". The balance is 0. My question is eventhough the balance is 0, does the fact that account shows "open" hurt my score?

    The second account is an account from ADT, a security company. It was also included in the BK. The account was originally placed for collection in 2009 with VK according to my BK papers, but my CR shows it's with PFG. It's shows date placed with PFG as 10/19/2011, which is 6 months after the BK was discharged, and the closed date shows 11/1/10 which is the date I filed BK. The account type shows "open account". The balance is 0. Unlike the medical collection, this one shows the pay status as "unrated" instead of "included in BK". Any ideas how to handle this one since it was included in the BK in 2010, but was placed for collection with PFG 6 months after the BK was discharged?

    These accounts are on my TU CR.

    I appreciate any help you can give me.

    Veridian1

    DB:2.61:Open Collections jp


    Update

    TU deleted the collection. My score only went up 1 point after the deletion. It's not much, but I'll take it. Thanks to everyone who replied.

  • RELEVANCY SCORE 2.61

    DB:2.61:Chase Slate To Chase Freedom mj



    Hi All,

    Just today I successfully changed my Chase Slate into Chase Freedom, at 1st they said no to me but after telling them that the card is just sitting in my draw for the past two years , I also have the Chase Sapphire preferred. The branch manager put a call in and said everything is done and your new card will be expressed over right away. If you are a loyal chase customer they will work with you just be nice and easy going with the branch agent.

    Curent credit score: 748

    DB:2.61:Chase Slate To Chase Freedom mj

    ChaseD wrote:
    Hi All,

    Just today I successfully changed my Chase Slate into Chase Freedom, at 1st they said no to me but after telling them that the card is just sitting in my draw for the past two years , I also have the Chase Sapphire preferred. The branch manager put a call in and said everything is done and your new card will be expressed over right away. If you are a loyal chase customer they will work with you just be nice and easy going with the branch agent.

    Curent credit score: 748

    Congrats!!

    I think you missed the signup bonus of $200 For the Freedom. Anyway Welcome to Freedom Family

  • RELEVANCY SCORE 2.60

    DB:2.60:Throughout Bk Mortgage Paid - Chase Refuses To Rpt Pymnt History. cp


    I paid my mortgage --- prior to, during, and after bankruptcy. Chase refuses to report any payments and list the mortgage as discharged --- when, in fact, it was not. They claim that because I did not "reaffirm the debt" (I don't remember seeing the paperwork to do so) they can't file the history. I have 5 years of on-time history with them and for them to indicate that it was included in the bankruptcy with no payments robs me of 5 years of payment history.Even if I supply documentation, most lenders are going strictly off of FICO and are not considering the additional information.Help?

    DB:2.60:Throughout Bk Mortgage Paid - Chase Refuses To Rpt Pymnt History. cp

    frfiv40 wrote:I paid my mortgage --- prior to, during, and after bankruptcy. Chase refuses to report any payments and list the mortgage as discharged --- when, in fact, it was not. They claim that because I did not "reaffirm the debt" (I don't remember seeing the paperwork to do so) they can't file the history. I have 5 years of on-time history with them and for them to indicate that it was included in the bankruptcy with no payments robs me of 5 years of payment history.Even if I supply documentation, most lenders are going strictly off of FICO and are not considering the additional information.Help?I would see about refi'ing the balance of the mortgage. Not that they would want but they may be able to take your house if it is lilsted as discharged under bsaaknruptcy. Get back in touch with the lawyer that did your BK. Either that or you don't owe them another dime and they can't touch the house. I would check out how long after the BK is 'discharged' to see how long they have to take action as far as reclaiming the property.If that time period has passed and they refuse to reaffirm thedebt you just got a house scott-free.But of course talk to a lawyer FIRST.

  • RELEVANCY SCORE 2.60

    DB:2.60:Chase Freedom 10+10 Program p1


    Does anyone know for sure those that are enrolled in this program if we are gonna be switched over to that other program they have now (the 10% extra points yearly minus the 10 additional points per transaction) or if we are gonna be grandfathered in this program? I just got my statement 2day and it shows I was recently added to the program even though I opened my checking with them 3 days after the program cut off date. Now my card is gonna see more action!

    DB:2.60:Chase Freedom 10+10 Program p1


    In another thread on this subject, I read that existing 10+10 members will be grandfathered until the end of 2013...not certain how accurate or definitive the information is though...




    TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K

  • RELEVANCY SCORE 2.60

    DB:2.60:2nd Chase Recon Approval!! fc


    All,Yesterday, I received my new 2nd Chase recon card....Marriott Rewards Visa! I am excited because I am 4 years out of BK. Total CL is $5K. I have $3K on my Chase Freedom. So, recons do work,Phumanr

  • RELEVANCY SCORE 2.60

    DB:2.60:Yey! Approved For Chase Freedom After Recon 1p



    So i applied for a chase freedom card last Dec 23 with the $200 bonus promotion. I haven't heard any until today and I realized I could have been denied due to a negative alert on my credit report showing i have a cc clsoed due to bk when i didnt even have a bk and i dont own that cc so it shouldn't be there but the company who did that is jsut too slow to remove it from my credit. I was able to prove that its not supposed to be there with the letter from them and sicne i was able to just buy a house and new vehicle 3 months ago. So i called one of the backdoor number for chase personal and i was told i was denied becuase of the negative alert and severla inquiries. But after explainign what the negative alert is and the recent inquirier were for the home and auto loan i got, they told me they are able to overlook it and approved me with a CL of 4000




    Current Score: EQ: 740 TU: 758 EX: 684 as of 12/23/13Chase Freedom 4000 | Local CU Visa 3000 | Citi Simplicity 2000

  • RELEVANCY SCORE 2.60

    DB:2.60:How Long Do Lenders Hold A Bk Against You? a1



    i filed ch13 in 2009. discharged in 2012. currently have fair/good credit scores. its been over 5yrs since i filed. its scheduled to fall off in 2016. however i would like to get a card from a big lender like chase, amex or discover. would those lenders hold that bk against me? my scores are in my sig. i do not have any collections and 0 missed payments since i filed bk. i have 0 collection accounts. 4% utilization and my highest credit limit is my cap 1 qs @ 2,300. i do have 19 inquires on my report due to my auto loan i got in may 2013. no inquiresin8 months. i would like your input regarding how long is long enough for a lender to trust someone with a previous bk with a good credit score. ....thanks.




    myfico.com 04/10/2015 - TU - 706 - EX - 712 - EQ - 704goals: all 3 at 720+

    DB:2.60:How Long Do Lenders Hold A Bk Against You? a1


    OP with only 1 credit card and an auto loan it's time to go on a mini app spree at minimum.

    I would look at the pre-qaulifiers for each bank:

    Barclay - for sure approval

    Discover - 90% for sure approval

    I would apply for American Express regardless of offers, I would put you at a 70%+ chance of approval

    not sure about chase, check pre-qual




    Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)I'm just trying to catch up to RON1Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)Lowest Limit: Target $20083 Cards and Counting

  • RELEVANCY SCORE 2.60

    DB:2.60:Goodwill Letter af



    I filed chp 7 bk nov 10'...I received my discharge feb 11'...I had a cc with chase that was included in the bankruptcy...but prior to filing they sold the account to a collection agency..so post bk when I view my credit report...the collection agency for the chase cc is reporting correctly...status included in bk with a $0 balance. But the chase tradeline is still reporting as charge off and with numerous lates...I disputed this account and was told by the cra's that the account is reporting correctly. And after reading several posts here I understand that they are. So my question is...Can I GW Chase on the lates even though I included the account in the discharged bankruptcy???? Thanks in advance

    DB:2.60:Goodwill Letter af


    I filed chp 7 bk nov 10'...I received my discharge feb 11'...I had a cc with chase that was included in the bankruptcy...but prior to filing they sold the account to a collection agency..so post bk when I view my credit report...the collection agency for the chase cc is reporting correctly...status included in bk with a $0 balance. But the chase tradeline is still reporting as charge off and with numerous lates...I disputed this account and was told by the cra's that the account is reporting correctly. And after reading several posts here I understand that they are. So my question is...Can I GW Chase on the lates even though I included the account in the discharged bankruptcy???? Thanks in advance

  • RELEVANCY SCORE 2.60

    DB:2.60:Question About Accounts Included In Bk ak



    those a/c with 0 bal due to inclusion in BK, will be removed from the date u files BK or from original DOLA?

    DB:2.60:Question About Accounts Included In Bk ak

    momof3inva wrote:
    Not to hi-jack your thread, but I have a question that may also help OP. Are CRA's required to remove all baddies? I am going ~CRAZY~ dealing with these last 3 accounts that are seriously affecting my scored!

    Thanks so much and op, hope I didn't offend jumping in.

    They can report anything that happened before you filed BK so if it was charged off, they can report that. However the balance should be 0. All IIB accounts are still listed as baddies until they fall off, which should be from DOFD. Some CRAs (TU) will remove collections that were IIB if you dispute as "no longer liable".



    FICO® Scores 11/07: TU 531 -- EQ 457 -- EX 464; 08/09: TU 518 -- EQ 597 -- EX ??;09/09: TU 590 -- EQ 610 -- EX ??; 05/10: TU 610 -- EQ 611 -- EX ??EQ: 17 to 4 baddies; 3 to 1 public recordsEX: 24 to 5 baddies; 2 to 1 public recordsTU: 28 to 2 baddies; 3 to 1 public records

  • RELEVANCY SCORE 2.60

    DB:2.60:Chase Ink Business Cash Pre Approved? x8



    Hi All,

    I was loggin into my My Chase Business accounts today and for the first time I ever it prompts me with a offer from Chase INK business Cash. I don't know if it was a pre approval or just a standard offer... I have applied in the last 6 months for it.. Recently I have had a lot of improvements on my Credit but I do have quite a few inqs... I really want to apply but I also need to think of the Car im trying to get next week as well as NFCU I am planning on applying for...

    Has anybody got this message at log in and applied for it? I did notice Chase softed my Equifax last week.. Btw I have a BK from 7/10

    Your advise is always greatly appreciated!

    DB:2.60:Chase Ink Business Cash Pre Approved? x8

    aloush11 wrote:I do have a chase account that I was added on as a joint card holder back on 02/2011. I have made every single payment from my chase checking account. I remember also Reding that a CA will be able to see that too. The primary opened it up for me and added me as a joint so I can manage and gain from it. Limit $5500 and always PIF or 80% just for reporting purposes.Last time I applied with chase they pulled transunion. Should I take the hit and try for the business card?AAoA 2.6UTL is 18%7 inq last 10 months?
    YES Since you have $5500 already and they see that!




    Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)I'm just trying to catch up to RON1Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)Lowest Limit: Target $20080 Cards and Counting

  • RELEVANCY SCORE 2.60

    DB:2.60:Initializing Character Variables: "No Source Code Available" 31



    This one's got me stumped. Thanks for the help.

    In this F90 code, why do I get an "no source code available" error at 'ch = bk' for:

    program main

    character :: bk = "z"
    character :: ch

    ch = bk

    print*, 'ch: ', ch

    stop
    end
    but this works fine:

    program main

    character, parameter :: bk = "z"
    character :: ch

    ch = bk

    print*, 'ch: ', ch

    stop
    end
    I get the same error for this:

    program main

    character :: bk
    character :: ch

    bk = "z"
    ch = "x"

    ch = bk

    print*, 'ch: ', ch

    stop
    end
    Thanks.

    gac

    DB:2.60:Initializing Character Variables: "No Source Code Available" 31


    Ok. While it's not relevant to the issue you have here (this is not a compiler bug), I do recommend that you keep current with the compiler.

  • RELEVANCY SCORE 2.60

    DB:2.60:Kohls- Still Bk Friendly? 89



    I know recently Chase stopped approving cards to anyone with bk regardless of score, but in the past Kohls seemed to almost not even be offered by Chase it was so easy to get. I saw in Dec someone on whogavemecredit with under 610 was approved.

    Is this still the case or they have new lending standards in 2010 also?




    Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)I'm just trying to catch up to RON1Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)Lowest Limit: Target $20083 Cards and Counting

    DB:2.60:Kohls- Still Bk Friendly? 89


    I know recently Chase stopped approving cards to anyone with bk regardless of score, but in the past Kohls seemed to almost not even be offered by Chase it was so easy to get. I saw in Dec someone on whogavemecredit with under 610 was approved.

    Is this still the case or they have new lending standards in 2010 also?




    Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)I'm just trying to catch up to RON1Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)Lowest Limit: Target $20083 Cards and Counting

  • RELEVANCY SCORE 2.59

    DB:2.59:Chase Deleted 2 Tradlines--Now Ask To Vacate Judgement??? da



    so i got chase to delete 2 tradelines from my reports through GW.One was included in BK and the other wassetttled for less than owed before i filedbk. I also have a judgement against me for a chase account. I honeslty cant remember if it was for something else i had with them, or if it was for the account they removed that was included in my BK. Im thinking it was the account included in the bk since i cant find any records of any other account with them. just not 100% positive sinceaccount number is not listed on the judgement on my Credit reports. this judgement was also discharged in my bk.

    anyways the lady was extreamely nice and told me to keep her contact info if i had any other concerns or questions. So im thinking, even though the judgement was included in my BK, can it be vacated and then removed by dispute, or possible some other way if i recieved a vacate notice from the courts?

    if yes, do you think they would go this far as to also ask the lawyer whos listed on the judgement to file a motion to vacate?? its not from a CA, they plaintiff is listed as Chase manhattan bank, with there lawyer listed as the attorney.

    another thing i was thinking was i could just write to this lawfirm listed on the judgement, inform them that chase has deleted the accounts, included a copy of the letter chase sent to me stating im no longer liable for the accounts, and then just ask them to file a motion to vacate? think they would bother helping me??? would u try the chase lady first or the lawfirm first?

    any ideas, thoughts or comments about this????

    DB:2.59:Chase Deleted 2 Tradlines--Now Ask To Vacate Judgement??? da


    This thread is a year old.

    Look in my stickies for other requested threads. There are GW letter samples in there. Remember to make it your own.




    Credit Scoring 101Guide to Common AbbreviationsOther Frequently Requested ThreadsClosing Credit CardsDirect Dispute

  • RELEVANCY SCORE 2.59

    DB:2.59:Do My Rewards Change? 3m


    When I signed up for my Chase Ink Cash it got 5% cash back at home improvement stores. Now chase has a new program with different rewards.Do I get to stay in the old rewards program that I signed up for? If I request a CLI will that change my rewards structure to the new one?

    DB:2.59:Do My Rewards Change? 3m

    When I signed up for my Chase Ink Cash it got 5% cash back at home improvement stores. Now chase has a new program with different rewards.Do I get to stay in the old rewards program that I signed up for? If I request a CLI will that change my rewards structure to the new one?

  • RELEVANCY SCORE 2.59

    DB:2.59:So, Are Cc Companies You "Burned" In Bk Unlikely To Approve A New Card For You? pd



    As I read through the threads I see repeated references that if you "burned" a CC company (discharged a debt to them in Ch.7) in BK, they are unlikely to approve new card for you. Capital One seems to be a repeat culprit.

    I my Ch.7 BK discharged in Jan. 2011, I discharged significant debts to:

    Capital One (2 accounts)

    Chase Bank (2 accounts)

    Citibank (1 large account)

    I have avoided applying for new cards from them assuming they would turn me down and I would waste a credit inquiry affecting my score.

    But, I also burned GE Money Bank, now Synchrony Bank, for 2 accounts, but they approved a Wallmart store card for me in 2/13 with $1400 credit limit, and keep raising with my paying balance in full each month, now up to $2400 limit. And then they approved an Amazon store card for me in March of this year.

    I ask as I'm going to cancel my best rewards card at the end of this month - Best Buy MC - because the credit limit is only $1000 with an annual fee of $50, and it's too hard to earn enough reward zone points to justify the annual fee while keeping the monthly balance under $300/30% of credit limit. So I want to apply for a good cashback rewards card, and Citi Capital One have some of the best ones. I'm not concerned about interest rate, I always pay CCs in full each month - I'm getting .9% intererest on my IRA savings and those jokers still want 20%+ for a CC?




    Bouncing back nicely from 2010 BK7, thanks to great info here on MyFicoCurrent scores: FICO 665, Fako: TU 736, EQ 735, EX 710Top Cards:Cap1 QS $10k, Barclays Rewards $5.7k + NFL $5k, Lowes Walmart $5k each; Util under 5%

    DB:2.59:So, Are Cc Companies You "Burned" In Bk Unlikely To Approve A New Card For You? pd

    Congrats on the Capital One approval. I love them!! I, too, was approved for 10K on one of their top cards. And they gave me the lowest rate they offer, and they did you too. Awesome. My BK is 2 1/2 yrs old. Congrats again.



    Capital One VentureOne 10K | Capital One Platinum Prestige 7.5K | Capital One Quicksilver 4.5K | Discover IT 1.3K | Barclay Rewards MC 5.6K | Wells Fargo Cash Back 2K | +4 store cards that I never useStarting Score: 601Current Score: 735 TUGoal Score: 800Take the myFICO Fitness Challenge

  • RELEVANCY SCORE 2.59

    DB:2.59:Chase Recon!! After Bk.. 99


    All,I have a 4 year old BK on file...applied fo Chase Freedom and was denied. Called and did a recon and was approved for $3500 (interest rate is attrocious).Will Chase do a CLI at activation?PhumanrEQ: 673; TU: 703; EX: 708

    DB:2.59:Chase Recon!! After Bk.. 99

    thanks phumanr and msanderson..also phumanr did you call the recon # once you got the letter in the mail or did you apply online and then call after you were denied online??thanks for all your info! it's definately a learning tool i appreciate it !



    ~01/2008 Ficos TU 571-EX 647-EQ 652~~3/21/2009 Ficos TU 705 EX 702 EQ 692~~9/9/09 Ficos TU 718 EQ 693 EX???~06/25/12 Ficos TU 719 EQ 677 EX??

  • RELEVANCY SCORE 2.59

    DB:2.59:Shock!! No Bonus Rewards On New Chase Freedom. 73



    I just spoke with Chase Starbucks Duetto Visa customer service rep, and she told me that Chase Freedom Bonus 10/10 Rewards does not apply to replacement Chase Freedom Visa. So, we only get Ultimate Rewards Program begin April. When I told her about that I already have a Chase Freedom card, she said it will be two separate accts ... different CL, different APR ...

    She said I must apply for a new card if I want to have Bonus 10/10 Rewards.

    She also mentioned methat we are lucky to have this acct (Starbucks Duetto Visa switch to Chase Freedom Visa) open, they (Chase)could be just close it at the end of contract is over.

    I spoke withChase Freedomcustomer service rep, and she told me there are more than one Chase Freedom Rewards Programs they have. So, I will have to wait for a new Chase Freedom card to find out exactly which Rewards Program I will going to have.

    Pleae let me know about your new Chase Freedom Visa that replaces your Starbucks Duetto Visa.




    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~It's very tough with small income ~ The Rewards are big little helper to me.

    DB:2.59:Shock!! No Bonus Rewards On New Chase Freedom. 73


    FWIW, it seems to be people who have PC'd (or gotten PC'd) from another product who have problems. Former WaMu, former Borders, now former Starbucks Duetto.

    Those who app'd directly for the Freedom in the past still have one or another version of the good rewards, I think.

    Your best bet would be to look for posts by those who app'd (and got) the Freedom first time out. Maybe they're still getting the 3% or 5% or whatever it is that I don't get.

    OTOH, all banks seem to be cutting back their rewards, at least by a little, and it might be that all Freedom cardholders will soon be asked to be thrilled with 1%.




    * Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

  • RELEVANCY SCORE 2.59

    DB:2.59:9 Years Post Bk, Score 730s, Need Another Prime Card, Best Odds??? xf



    currently have 2 cap one cards,discover and duck card. I'll be closing my worthless secured card from PNC, so I'm wanting one more prime card for my credit portfolio. CL is irrelevant at this time. I did NOT have chase or BOA in my BK. So, that being said,I believe that chase or BOA are my next choices. However, I'm worried about rejection due to BK. Amex is out of the question. Citi has that new double cashback card but I 'believe' that i DID have a citi card in my BK. I'm willing to do the rejection, get secured card, then go unsecured route with BOA in few months. But, I'd prefer not to. From what I've been reading, Chase is the better way to go anyways. Any thoughts. Or links to previous pages. It would take YEARS to navigate all the SUPER info these forums. It's much easier to just type a new message and see where it takes me.

    DB:2.59:9 Years Post Bk, Score 730s, Need Another Prime Card, Best Odds??? xf


    I think Chase would be a great option if you did no IIBK them. AT 9 years AMEX is even an option as long as you didn't burn them at all. Good luck and let us know what you decide.




    Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012721 EQ FICO 04/2015720 TU FICO 04/2015728 EX FICO 04/2015$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom

  • RELEVANCY SCORE 2.59

    DB:2.59:Chase Advice Needed d1


    I currently have a mortgage with Chase. I am 4 yrs. post bk which included a Chase CC. Does having a mortgage with Chase improve my chances of getting a CC with them again and how long should I wait to apply. Thanks in advance!!

    DB:2.59:Chase Advice Needed d1

    The mortgage is new and was not IIB.