Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Can’t get approved

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  • Can’t get approved

    Hi I’m 7 months post discharge and can’t seem to get approved for Any type of credit? My score has gone up significantly in the 650 range but can’t seem to get approved for anything including secured cards? Will this change at the one year mark ? Any experience in this? Thanks

  • #2
    It seems like it is hit or miss. Wife was approved unsecured before discharge even complete, where I have had no such luck....


    • #3
      Originally posted by ashley90 View Post
      Hi I’m 7 months post discharge and can’t seem to get approved for Any type of credit? My score has gone up significantly in the 650 range but can’t seem to get approved for anything including secured cards? Will this change at the one year mark ? Any experience in this? Thanks
      Some secured cards are difficult, but I would wait to make sure that my credit report was as clean as possible. All discharged accounts should be IIB (included in bankruptcy) with a $0 balance and no history reporting. I would also make sure that the case is closed too (although after 7 months the bankruptcy should be reporting as closed). Also remember that many inquiries will also cause creditors to be leery of your applications.

      I suggest only trying those cards that will "pre-qualify" you without impacting your score (such as Capital One). With a 650 credit score, and I'm not sure if that's a true FICO or not, you won't get most major credit cards and most "major" bank issued cards.

      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog

      I am not an attorney. Any advice provided is not legal advice.


      • #4
        You will get a secured card at some point. Might even surprise yourself with an unsecured card. Might be good to wait some time at this point if you’ve submitted hard applications at this point. Other Lenders won’t know for two or more months if any of your applications have turned into actual credit when your creditors start reporting the line of credit.

        I had a 546 FICO score in June and got a discover secured card this month. I currently have no score because of no activity for six months (I had no nondischargeable debt).


        • #5
          Try getting the Open Sky Card I just got one tonight they don't check credit , they do want last 2 paystubs to submit to their website to show income. I also got the Greendot card.


          • #6
            I am now 18 months or so Post discharge. I will share some of my experiences that may or may not be helpful. We're all different but maybe some of this will help others-

            about a week after my discharge, i was able to get a car loan with a co-signor. I was destroyed by the Dealer on this! I will post that story separately as I think its a huge lesson for anyone!
            At about 3 months post discharge I tried to get a card. I was denied for secured credit cards. I decided to wait.
            At 6 months i got a 300 limit store card.
            At 9 months post discharge, I got a quicksilver with 2k limit. they just raised that for me automatically last month to 2.5k
            at a year I refinanced the car, on my own, half the interest.
            at 12 months i refinanced my student debt, and took out a 2nd mortgage for home repair . I did not reaffirm the mortgage, but kept the house. now, I have a mortgage reporting on my credit.

            some of my observations/thoughts/practices in no particular order to help keep out of debt:

            -if you have a student loan, the payment history stays, so that may help you, I think it did for me. stay current.
            -rates will be sky high! do not carry a balance, or you will pay dearly. resist the temptation to buy anything you don't need. If you can live without it, live without it. Having a small amount, 50-250 bucks, roll over might help you actually as it shows you can carry and keep current on a balance.
            -get a cash back card. Its awesome to see the credit card company PAY YOU! if you run 20K a year through the card, at 1.5 percent back, you just made $300. that's easy to do if you put all your expenses on it. just pay it off in full each month or you negate that pay out.
            -got a 2nd job. that is your extra spending money to pay for things you want but don't need.
            -i don't carry a balance on any card, i did this a little out of necessity a few times, but the interest is agony and no longer do it.


            • #7
              Originally posted by sak View Post
              Try getting the Open Sky Card I just got one tonight they don't check credit , they do want last 2 paystubs to submit to their website to show income.
              +1 on the OpenSky card. Easy to get with no credit check, reports to all three bureaus, and will jump-start your credit rebuild.


              • #8
                Have you tried a store card? My wife got a Kohls card two weeks after discharge. I didn't want us to get ANYTHING for awhile but she thought she might as well try to start rebuilding her credit. I was shocked....


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