Long story short, I had CO with Amex, BofA, Citi, Chase, Discover and a lot of other banks in 2008. Mix of business and personal CC and LOC. Did not file BK and all of them fell of my reports due to age. Tried Chase in Oct 15 and was denied due to previous delinquencies. Denied by Discover for not enough credit history due to thin file I guess because did not have any active TLs except 2 secured loans with Alliant. Was sure I was blacklisted and would be denied. Did get other CCs back in Oct 2015 and was gardening and working on CLIs since then.
Here is what I got in Oct 15.