Dell Financial Services?

[TurnThePage]

I was just wondering if anyone had any luck rebuilding credit with Dell Financial Services, after the discharge? Technically, one should (in theory) be more credit-worthy post bankruptcy, especially since you cannot file again for 8 years.

[Logan]

My Dell card held up through BK and I used it to buy a tv. Still open 3 years later.

Logan

[backtoschool]

Dell has been known to grant credit post bk, if you didn't bk on them, but usually it is not right after discharge.

[TurnThePage]

I've heard of Dell granting post-bankruptcy credit, unfortunately, they were included in my petition. I wonder what the waiting period for them is? Hope it's not 7 years ... LOL

[backtoschool]

I've heard of Dell granting post-bankruptcy credit, unfortunately, they were included in my petition. I wonder what the waiting period for them is? Hope it's not 7 years ... LOL

No not at all. A couple of years most likely. Maybe a year, but if you bk'ed them I don't think they should be your first app post discharge. Capital One has been good to many of us on this board if you are looking for a good rebuilder card.

[backtoschool]

My Dell card held up through BK and I used it to buy a tv. Still open 3 years later.

Logan

Dell is known for not subscribing to the credit bureau account alert and review services, so they probably never even found out about your bk.

[TurnThePage]

Just found out that Dell Financial Services will deny any application for future credit if their previous debt was discharged in Bankruptcy -- unless the debtor *voluntarily* repays the discharged debt. Pfft.

[Amy26]

I was able to get Dell Credit after my bankruptcy... I don't remember when I did it but I believe it was less than 6 months after. They gave me a 2k line. I did not BK them.