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15 months POST BK and NFCU CLI finally!

Established Contributor

15 months POST BK and NFCU CLI finally!

DISCHARGED 12/2015

Current card list:

 

01/2016: Credit One - SL $300, increased to $450 after 6 months (closed on 12/2016 due to annual fee)

05/2016: Merrick Bank - SL $600, increased to $1200 on 12/2016

05/2016: Milestone - SL $300 (will close in May due to AF)

06/2016: Cabelas visa - SL $1000

07/2016: NFCU cash: SL $500, increased to $6200!!!!!! recently 03/05/2016 (25+ inquiries on EQ)

08/2016: Overstock store card: SL $250, currently sitting @$850 with the monthly increases

08/2016: JCrew store card: SL $250, currently sitting @$850

09/2016: Express store card: SL $250, sitting @$650

10/2016: Capital one Platinum, upgraded to QS after getting the card : SL $1000 (burned during BK for $7000)

12/2016: Amazon synchrony: SL $800 (burned during BK for $1400)

12/2016: Paypal Mastercard: SL $300

02/2017: Walmart Store: SL $900 (burned during BK for $8000)

 

I burned synchrony for a total of $18000 but i was able to get back in!

Don't lose hope folks, theres always a life after BK!!!

 

 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 1 of 13
12 REPLIES
New Contributor

Re: 15 months POST BK and NFCU CLI finally!

Awesome job!!! The race isn't given to the swift. It can be a very frustrating process.  

BK Filed 06/15 and D/C 09/15 Current FICO 8 November 2017 EQ 666 EX 645 TU 668 CAP 1 Venture MC 11.2 k, BOA Cash Reward Visa 2k, Target 800, Banana Republic 5k, NFCU 30k, NavChek CLOC 15k, NFCU AMEX Rewards 3.6k, Barclays NFL 11.5k, Discover IT Cash Back 5.8k, Discover IT Travel 9.2k PayPal 3.5k, Wal-Mart 5k, Amazon Prime 5k, Belk 5k, PENFED Power Cash Reward 12k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS, PENFED Signature Loan 8.5k 48 MTHS, Nordstrom 1.5k. Total CC Limits 118K.
Message 2 of 13
Frequent Contributor

Re: 15 months POST BK and NFCU CLI finally!

Now lets get ready for September's new round! Man Happy

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 3 of 13
Regular Contributor

Re: 15 months POST BK and NFCU CLI finally!

Congrats Kobe. Keep on keepin' on!

7/3/17 FICO 8 Ex: 681 Tu: 672 Eq: 687...BK7 Discharge: 8/2015
Cap One Quicksilver-$18,250| Cap One Venture-$10,000| Barclay Arrival-$6,500| Discover it Student-$6,000| Discover it Miles-$7,000| BoA Cash Rewards-$500| Garden since: 6/1/17
Message 4 of 13
Established Contributor

Re: 15 months POST BK and NFCU CLI finally!

Congratz on your Achievements & Success!

.

05/03/16 Fico 8 Scores: EQ 546, TU 501, EX 548
09/01/16 Fico 8 Scores: EQ 662, TU 628, EX 657
10/04/16 Fico 8 Scores: EQ 692, TU 665, EX 686
01/15/17 Fico 8 Scores: EQ 706, TU 670, EX 687 * all Yellow / Good
Message 5 of 13
Established Member

Re: 15 months POST BK and NFCU CLI finally!

Congrats! I'm still in the process of rebuilding with my credit one card. Hopefully I can get better cards soon. Goodluck!

http://s1279.photobucket.com/user/jatienza15/library/?sort=3&page=1
Message 6 of 13
Established Contributor

Re: 15 months POST BK and NFCU CLI finally!

thanks everyone!!! i know It's a lot of cards in one year but I will be closing the ones with AF, like the merrick and milestone. The comenity cards I haven't used and it's reporting as $250 limit on my reports even though they have increased. I don't wanna just use it because I want the new limit to report.. any advise?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 7 of 13
Frequent Contributor

Re: 15 months POST BK and NFCU CLI finally!

The only way for them to report is to let the balance cut with some $. I have used it and pay everything but $1, sure enough it reported. The overstock card limit for me is overstock at $250 LOL,


kobe2012 wrote:

thanks everyone!!! i know It's a lot of cards in one year but I will be closing the ones with AF, like the merrick and milestone. The comenity cards I haven't used and it's reporting as $250 limit on my reports even though they have increased. I don't wanna just use it because I want the new limit to report.. any advise?



and they won't give me a CLI. IF they don't by next month, then I will close it.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 8 of 13
Valued Member

Re: 15 months POST BK and NFCU CLI finally!

Great job! If you don't mind me asking, did you start with an NFCU secured card?

Message 9 of 13
Established Contributor

Re: 15 months POST BK and NFCU CLI finally!

Thanks! They approved me for unsecured . Was one of the lucky ones

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 10 of 13