So, my BK closed in January. I have a Fashion Bug card and an Orchard Bank non-secured card, $300.00 limit on each. I got these only because I I want to be able to get a mortgage with my new husband (married in April) when he retires and we eventually sell his house-probably in ten years. He could get the mortgage in his own name no problem, but it would be nice if eventually we could include my name on such a loan.
What is just giving me the giggles is that with only 6 months between me and the BK close, just on this tiny bit of well managed credit (I do small balances on each and pay them off in full) I am getting actual offers in the mail for more cards, more loans, cars, you name it. Pre-approved offers, not pre qualified.. Sure, my husband has a great credit rating and a good (not huge) income. That is not even supposedly a factor though.
I thought credit was suppose to be harder to get now. This is crazy. I throw these offers away with a laugh, of course. But wow, you can sure see how some people get in a whole lot of trouble again. They make that very easy to do. I also found out that with BK sitting on my credit report, my score is still 700. I am sure I could NOT get a mortgage in my own name today. My student loan debt is huge, and the BK IS there, of course. Funnier yet is my credit was terrible prior to BK, like most people who file.
I am amused by the whole thing, and I just don't get it!
Oh, and something else: I applied for an higher level management position (corporate) with a property management company. They told me the position involved a credit check because unlike site management I had access to a lot of company money. Assuming it was over for me for that position, I told them about the BK, and told them I had no excuses and I had learned my lesson but thanks much for the interview. Her reply? That did not matter, they were only looking for current unpaid outstanding debt that could create a temptation for theft. I still assumed it was over for me, but left happy enough because I could still be a site manager somewhere else or stay at my current job-so no big loss. Well, I have been offered the job! It is 12K more than my current position!!
I am NOT saying my experience is "typical" on either of these counts. I have a great resume in a strange line of work, and having gotten married may have something to do with the offers. But wow, this is NOT how they told me post BK was going to be!
What is just giving me the giggles is that with only 6 months between me and the BK close, just on this tiny bit of well managed credit (I do small balances on each and pay them off in full) I am getting actual offers in the mail for more cards, more loans, cars, you name it. Pre-approved offers, not pre qualified.. Sure, my husband has a great credit rating and a good (not huge) income. That is not even supposedly a factor though.
I thought credit was suppose to be harder to get now. This is crazy. I throw these offers away with a laugh, of course. But wow, you can sure see how some people get in a whole lot of trouble again. They make that very easy to do. I also found out that with BK sitting on my credit report, my score is still 700. I am sure I could NOT get a mortgage in my own name today. My student loan debt is huge, and the BK IS there, of course. Funnier yet is my credit was terrible prior to BK, like most people who file.
I am amused by the whole thing, and I just don't get it!
Oh, and something else: I applied for an higher level management position (corporate) with a property management company. They told me the position involved a credit check because unlike site management I had access to a lot of company money. Assuming it was over for me for that position, I told them about the BK, and told them I had no excuses and I had learned my lesson but thanks much for the interview. Her reply? That did not matter, they were only looking for current unpaid outstanding debt that could create a temptation for theft. I still assumed it was over for me, but left happy enough because I could still be a site manager somewhere else or stay at my current job-so no big loss. Well, I have been offered the job! It is 12K more than my current position!!
I am NOT saying my experience is "typical" on either of these counts. I have a great resume in a strange line of work, and having gotten married may have something to do with the offers. But wow, this is NOT how they told me post BK was going to be!
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