How To Get A Credit Card After Bankruptcy

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  Jennifer posted: 18 Oct at 3:27 pm

  I have read on other questions previously answered that they are looking for bankruptcy. Now I am not sure if they are looking to see if people have filed currently or at all….I have a friend who filed a couple years ago and was approved. If your bankruptcy is still open/pending then I doubt. If its closed or discharged you may likely be approved being as you could not file a 7 again for awhile. If you filed a 7 to begin with.

  HTH

  Jen

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  Janie Says posted: 18 Oct at 3:50 pm

  I know that ONE of the requirements is that you cannot have filed for bankruptcy. They will be doing credit checks this year (they were not doing them in the past). Having bad credit won’t necessarily disqualify you for a loan. In additional to no bankruptcies you cannot:

  Owe back child’s support
  Owe HR Block or its affiliates
  Owe the IRS
  Owe back student loans

  You must:

  Be currently employed
  Have made OVER 10,000 this year
  Be getting back OVER 1,000 on your refund

  Bring in:

  Your most recent pay stub
  Your I.D
  If you are a NEW customer, you must bring in your 2007 tax return

  Although a lot of people meet these requirements, a lot of seemingly qualified applicants have been getting denied. I just spoke with an HR Block Rep today who confirmed what I mentioned above. They are not quite sure why it is that a lot of people are getting denied.

  I don’t know either??

  Good Luck though!

  Be Sure To Tell Us How It Went

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  Anthony posted: 13 Dec at 3:32 pm

  They are using the experian credit report. If you have been delinquent/late/over the limit on a revolving acct (credit card) within the last 6 months you will be denied. Yes I checked my report and I was 1 of the above within the last 6 months.

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