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Skip Navigation * How It Works * Pricing * Education * Community * Support * Log In * Start Plan * How It Works * Pricing * * Education * Credit Education * Credit Scores * What is a FICO Score? * FICO Scores versions * How scores are calculated * Payment history * Amount of debt * Length of credit history * Credit mix * New credit * Improve my score * Credit Reports * What's in your report * Bureaus * Inquiries * Errors on your report? * Calculators * Know Your Rights * Identity Theft * FAQ * Glossary * Community * Support * Log In Forum Topics myFICO® Forums Sign In Help * myFICO® Forums * * Types of Credit * * Credit Cards * * Help me understandd Options * Subscribe to RSS Feed * * Mark Topic as New * Mark Topic as Read * * Float this Topic for Current User * Bookmark * Subscribe * Mute * * Printer Friendly Page All communityThis categoryThis boardUsers Enter a search word Turn off suggestions Enter a search word Turn off suggestions Enter a user name or rank Turn off suggestions Enter a search word Turn off suggestions Enter a search word Turn off suggestions cancel Turn on suggestions Showing results for Search instead for Did you mean: HELP ME UNDERSTANDD GET YOUR FICO® SCORE FOR FREE No credit card required Get Access Now Advertiser disclosure IS YOUR CREDIT CARD GIVING YOU THE PERKS YOU WANT? Browse credit cards from a variety of issuers to see if there's a better card for you. Browse Offers OGJerk New Member * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 02:54 PM 05-22-2024 02:54 PM HELP ME UNDERSTANDD Jan 2019 I filed a chapter 13 bk, recognized it was not going to work and we had it dismissed in May of 2019. Lost a home to foreclosure that has since dropped off the bureau, the auto loan with Global (formerly Alaska FCU) is still on bureau and drops off in Feb 2025, so not quite a year left with that. BK will drop in Jan 2026. All other derogs have dropped off the bureau. Currently scores are: Experian 644, Trans Union 651 and Equifax 674. Have re-established with 4 student loans on the bureau, 3 credit cards and 3 auto loans all paid 100% as agreed. So why can I not get a decent credit card now? I've paid my dues for the bk, paid the 25%+ interest on 3 auto loans, make good money with a 16% DTI not counting my rent and have had zero negs since the bk. I went over to Navy FCU to try and get a decent credit card, nothing great, just decent and was flat out denied. They told me I could apply for their secured card. I already have 3 low limit cards ($300-$500 limits) that are unsecured so why would I want to go back to secured? Any insight here would help. Is it the Global FCU account? Message 1 of 10 1 Kudo Reply * All forum topics * Previous Topic * Next Topic 9 REPLIES 9 pizzadude Credit Mentor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 03:15 PM 05-22-2024 03:15 PM RE: HELP ME UNDERSTANDD > -------------------------------------------------------------------------------- > > @OGJerk wrote: > > > Jan 2019 I filed a chapter 13 bk, recognized it was not going to work and we > had it dismissed in May of 2019. Lost a home to foreclosure that has since > dropped off the bureau, the auto loan with Global (formerly Alaska FCU) is > still on bureau and drops off in Feb 2025, so not quite a year left with > that. BK will drop in Jan 2026. All other derogs have dropped off the > bureau. > > > > Currently scores are: Experian 644, Trans Union 651 and Equifax 674. > > > > Have re-established with 4 student loans on the bureau, 3 credit cards and 3 > auto loans all paid 100% as agreed. So why can I not get a decent credit card > now? I've paid my dues for the bk, paid the 25%+ interest on 3 auto loans, > make good money with a 16% DTI not counting my rent and have had zero negs > since the bk. > > > > I went over to Navy FCU to try and get a decent credit card, nothing great, > just decent and was flat out denied. They told me I could apply for their > secured card. I already have 3 low limit cards ($300-$500 limits) that are > unsecured so why would I want to go back to secured? > > > > Any insight here would help. Is it the Global FCU account? > > > > > > -------------------------------------------------------------------------------- It's because you have a BK and charged off auto loan showing on your reports, these will continue to hurt your chances with some lenders until they completely drop from your reports. You could try with some BK friendly lenders such as Cap1 but you may end up bucketed into a lower limit card. Honestly getting a secured card with NFCU, as much as you can afford to put into it, may be a better approach as it may help other creditors approve you for larger limits. March2010 FICO® ~ 695 TU, 653 EQ, 697 EX Message 2 of 10 6 Kudos Reply Slabenstein Valued Contributor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 03:24 PM 05-22-2024 03:24 PM RE: HELP ME UNDERSTANDD Is the auto loan reporting as a repo or CO, and is it reporting an unpaid delinquent balance? If so, that could easily be a reason for denial, as many issuers will not want to extend a revolving unsecured line while an unpaid delinquency is showing on an applicant's reports. (As an aside, I also want to point out that lenders include housing costs in DTI calculations, so it would be a % that includes your monthly rent that Navy would be working from.) Message 3 of 10 5 Kudos Reply Kforce Valued Contributor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 03:40 PM 05-22-2024 03:40 PM RE: HELP ME UNDERSTANDD > -------------------------------------------------------------------------------- > > @Slabenstein wrote: > > > Is the auto loan reporting as a repo or CO, and is it reporting an unpaid > delinquent balance? If so, that could easily be a reason for denial, as many > issuers will not want to extend a revolving unsecured line while an unpaid > delinquency is showing on an applicant's reports. > > > > (As an aside, I also want to point out that lenders include housing costs in > DTI calculations, so it would be a % that includes your monthly rent that Navy > would be working from.) > > -------------------------------------------------------------------------------- ^^^ This Message 4 of 10 1 Kudo Reply Hidalgo New Member * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 06:42 PM 05-22-2024 06:42 PM RE: HELP ME UNDERSTANDD you could get the Discover secured card that automatically graduates after a few months; then you can easily request CLIs on their app. they are pretty generous with limits over time. Imo you don't want to keep applying and getting denied. I used a feature on AMEX where you could get approved without a hard pull, and they only did a hard pull if you were approved. I don't see it now (this was about 1 year ago) Message 5 of 10 0 Kudos Reply FicoMike0 Valued Contributor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 08:17 PM 05-22-2024 08:17 PM RE: HELP ME UNDERSTANDD You mention three low limit cards. Are you managing utilization? It's not enough to pay in full every month. Utilization is based on the amount reported to the bureaus. Most cards report the posted balance. If you have a $500 credit limit and post $300, that's a 60% utilization, which costs you points. Look up azeo for the full story. Short form, you want one card to post < 29% of its cl and < 9% of your total cl. The others should post zero. Getting your score up will help approvals. Message 6 of 10 0 Kudos Reply Horseshoez Senior Contributor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 08:20 PM 05-22-2024 08:20 PM RE: HELP ME UNDERSTANDD > -------------------------------------------------------------------------------- > > @OGJerk wrote: > > > > > I went over to Navy FCU to try and get a decent credit card, nothing great, > just decent and was flat out denied. They told me I could apply for their > secured card. I already have 3 low limit cards ($300-$500 limits) that are > unsecured so why would I want to go back to secured? > > > > -------------------------------------------------------------------------------- Why go back to a secured card? Higher limits will be easier to obtain. After my Chapter 13 I sucked it up and applied for a secured card with a $5,000 limit, with the exception of my two CapOne cards (starting limits $3,000 and $2,000), every card I've applied for since then has yielded a higher starting limit; my most recent from NFCU was a $30,000 starting limit. Chapter 13: * Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California) * Filed: 26-Feb-2015 * MoC: 01-Mar-2015 * 1st Payment (posted): 23-Mar-2015 * Last Payment (posted): 07-Feb-2020 * Discharged: 04-Mar-2020 * Closed: 23-Jun-2020 I categorically refuse to do AZEO! In the proverbial sock drawer: Message 7 of 10 1 Kudo Reply Zoostation1 Valued Contributor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 05-22-2024 10:25 PM 05-22-2024 10:25 PM RE: HELP ME UNDERSTANDD @HidalgoWhile Discover often graduates quickly (mine took 7.5mo to graduate and get a CLI, it's not a guarantee. Rebuild Started Nov 2021 June 2022 FICO 8: June 2022 FICO 9: Oct 2024 FICO 8: Oct 2024 FICO 9: Message 8 of 10 1 Kudo Reply OGJerk New Member * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 10-08-2024 02:33 PM 10-08-2024 02:33 PM RE: HELP ME UNDERSTANDD Hey FicoMike, I keep track of the report dates for each card and normally have 2 of the 3 at zero each report date, the last one typically reports between $10 and $21 as it's balance with a $550 CL on it. I use the cards for the same exact living expense bills each month to snatch that small 1% cash back they offer. I'm a cheapskate. Message 9 of 10 0 Kudos Reply Jeffster1 Valued Contributor * Mark as New * Bookmark * Subscribe * Mute * * Subscribe to RSS Feed * * Permalink * Print * * Report Inappropriate Content 10-08-2024 03:04 PM 10-08-2024 03:04 PM RE: HELP ME UNDERSTANDD @OGJerk The BK and the auto charge off, as others have said, are deal breakers for some prime issuers. However, your scores are also really low. Yes, some prime cards will consider you at a 670, only your EQ exceeds that, and it barely does. FICO EX 829 EQ 824 TU 844 Current lineup as of 9/24 American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 14K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I Message 10 of 10 1 Kudo Reply * All forum topics * Previous Topic * Next Topic † Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation. 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