- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I went through the Credit Pulls database, and there are actually a few cases where people were approved for Freedom despite a BK-7. The majority of applicants with a recent BK reporting are declined - at least among people who report their results. The 5th or 6th year is when the odds seem to improve, based on the small sample I reviewed.
The CSR you speak with seems to matter a lot. Some people have been declined even after recon for a BK about to fall off in a few months* while others are approved after recon with a more recent BK. One person managed to get a $5k CSP with a BK 3 years old - again, unusual.
One person got a Freedom 2 years after BK-7, but that looks like a very unusual case, and the CL was only $500.
OP, did you burn Chase in your BK?
So Freedom and CSP are definitely long shots, but not impossible. I don't think the OP should try again anytime soon, though.
*And seriously, if someone has a BK set to fall off in 2 months, why not just wait 2 months to apply?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech