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stormygate
Registered User
Last Activity: 12-06-2018, 02:00 PM
Joined: 02-17-2018
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  • I cant get the auto dealerships and other companies to leave me alone. The Ford dealership down the street keeps sending me letters wanting to work with me through bankruptcy. I did not need a car so I didnt inquire on any of any of these, but I imagine they are high interest. A dealership would be...
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  • stormygate
    replied to Can’t get approved
    I've read capital one will reapprove people, but I've heard varying stories from 6 months to 3 years. I burned capital one. And citi. And comenity. And synchrony. I dont expect that most of them are going to be keen on having me back soon.

    however, discover let me have a secured card with...
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  • Mine was 735 before I got married. It was 646 due to all the hard inquiries when we were applying for a mortgage prior to bankruptcy. It tanked and fluctuated between 400-500 after payments started being missed when we divorced. Now I'm not exactly sure, it depends on which agency is reporting. Between...
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  • stormygate
    started a topic New credit card

    New credit card

    My chapter 7 was discharged 3 weeks ago. I want sure if I would be able to rebuild credit considering how many different creditors were in my bankruptcy. I have that FICO check thing through discover but never had credit through them. They sent me a pre qualification offer that would do a soft pull...
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  • stormygate
    replied to How soon is too soon?
    Mkne was discharged only a week ago and I was being curious as well since all my accounts read 0 balance and bankruptcy discharge. My score went up to a 646 now. I had 100% payment history up until 6 months prior to bankruptcy when I ran into divorce. I was denied a secured credit card by capital one,...
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  • Ok so on case anyone else had this question. I have spoken to my lawyer finally. My discharge just happened yesterday. The lawyer said to be safe wait 10 weeks. He said even though the discharge happened, he advised everyone to wait for things like this until 10 weeks out. He said in all of his years...
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