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Established Contributor
Posts: 994
Registered: ‎03-16-2012

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
New Contributor
Posts: 58
Registered: ‎06-10-2007
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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 2016 EQ 669 EX 647 TU 650 CAP 1 Venture MC 11.2 k, Target 800, Banana Republic 2.5k, NFCU 23k, Barclays NFL 11.5k, Discover IT 3k, PayPal 1.9k, Wal-Mart 4.5k, Amazon Prime 3.5k, Belk 3.5k, 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 77.5k.
Frequent Contributor
Posts: 448
Registered: ‎07-17-2013
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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
Regular Contributor
Posts: 194
Registered: ‎11-23-2015
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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
Established Contributor
Posts: 569
Registered: ‎03-17-2016
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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
Established Member
Posts: 19
Registered: ‎10-22-2013
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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
Established Contributor
Posts: 994
Registered: ‎03-16-2012
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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
Frequent Contributor
Posts: 448
Registered: ‎07-17-2013
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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
Valued Member
Posts: 55
Registered: ‎04-15-2014
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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?

Established Contributor
Posts: 994
Registered: ‎03-16-2012
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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

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