Thread: APPROVED for DELL!

My BK7 is 8 months old, and I just got approved for 1500.00 for a laptop, the interest was 23.99, but still, I got approved!!

Target just gave me $200.00!

what CRA did they use? wonder if it matters what state you are in? Equifax perhaps?

Originally posted by arobinson
My BK7 is 8 months old, and I just got approved for 1500.00 for a laptop, the interest was 23.99, but still, I got approved!!

Target just gave me $200.00!

Did Target give you an instant approval message and one that said "Your application needs further processing".

Just wondering.

LB

YOU FILED BANKRUPTCY BECAUSE YOU COULDN'T PAY YOUR BILLS, NOW YOU'RE GETTING IN DEBT AGAIN??

SLOYAROLE , Who are you to judge? We don't judge. We try to help each other. If someone wants to do it again that's their business. FYI Charlie

Dude, you're getting a Dell.

Doc

P.S. Sorry. :)

SLOYAROLE, I'm trying to follow your logic here. The reason most people visit this board is to correct errors on their credit report, or to discuss credit issues. If one had no wish to have access to credit, why would they bother trying to correct their credit reports?

Most of us have discovered that paying our bills on time does not equate necessarily with having good credit. Yes, its a factor, but also a big factor is having and using credit wisely. One who does not use credit at all is as big of a risk as someone who has bad credit apparently. In fact, if you check out the reasons on scoring, often times one will see reason codes along the lines of "not enough retail accounts established", "not enough active tradelines", "and whatever that one about too few inquiries says".

Looked at from this perspective, it appears that you haven't really read a lot of the information at this site. I am not trying to slam you, but rather to point out that your observation is naive in a sense. Just my opinion and YMMV.


L

I think questions like the one Sloyaroule posted are quite threatening to those who have been through bankruptcy. It goes without saying that bankruptcy is an emotionally draining (and for some, even shameful -- although it certainly needn't be) process. Feelings become raw. Although Sloyaroule's question is certainly worth considering, he asked it in an insensitive, accusatory way. Those who've never been through bankruptcy perhaps don't understand the sensitivities involved.

So, for example, I think it's just perfectly fine to ask these questions:

• What steps are you taking to ensure that you won't repeat your previous outcome?
• Does having been through bankruptcy make you more or less careful regarding debt and personal finance?
• What are the pros and cons of "reestablishing credit" for those who have come through bankruptcy?

Sure, questions like that have more than one answer, and intelligent people may debate and disagree. And that's great! On the other hand, asking the question this way will surely only hurt feelings and close off discussion even before it gets off the ground:

• YOU FILED BANKRUPTCY BECAUSE YOU COULDN'T PAY YOUR BILLS, NOW YOU'RE GETTING IN DEBT AGAIN??

:::buzzer::: Wrong technique, bub. :)

Doc

Hey sloyarole....back off pal.....Apparently, you couldn't pay your bills either - otherwise you wouldn't be here. You don't know why the poster filed for BK. I filed BK in 1997. Why? Becasue I couldn't pay my bills? And why couldn't I pay my bills? Maybe a friggin $10K funeral for my mother absent any life insurance. Before you start spouting off, maybe you ought to consider the myriad of reasons why someone would be forced into BK.

Dude, your'e goin' in debt.