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Established Member
Posts: 51
Registered: ‎10-12-2015
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Re: Discharged, denied for cards out of the gate...now what

******UPDATE #6*******

Just got my credit steps from Capital1....CL increased from $3300 to $3800
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Established Member
Posts: 51
Registered: ‎10-12-2015
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Re: Discharged, denied for cards out of the gate...now what

****Update #7*****

Just requested a CLI on my discover card...

$3000 increase! Limit going form 6000 to $9000

I'm going to wait till the May AS hits for NFCU then request a FLU on my GoRewards card which is currently sitting at a 1000 limit. I wonder if I'll break the 10,000 barrier with it.
Established Member
Posts: 51
Registered: ‎10-12-2015
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Re: Discharged, denied for cards out of the gate...now what

*****Update #8*****

Requested my first CLI with the Navy GoRewards...

Requested the max...and approved !

Instant CLI of 11,500! Limit going from $1,000 to $12,500!
Valued Member
Posts: 47
Registered: ‎04-28-2017
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Re: Discharged, denied for cards out of the gate...now what

Congrats on your rebuild and all the CLI love. I can't wait for my discharge so I can start to rebuild. The only thing I'll have on my CRs is my student loans.
Established Member
Posts: 51
Registered: ‎10-12-2015
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Re: Discharged, denied for cards out of the gate...now what

*****Update #9*****

Just signed up for a $1 trial membership at Creditchecktotal to get my scores...

Experian- 686
Transunion- 658
Equifax- 674

I'll check scores again in September after my 2yr anniversary from BK7 discharge hits.
Established Member
Posts: 51
Registered: ‎10-12-2015
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Re: Discharged, denied for cards out of the gate...now what

Just be patient and persistent. And read as much as you can on here. That's partially the reason I post updates in this thread so I can also remember my progress and see what's working on the rebuild. Not to mention having the fates of cards open or CLI requested so I know not to request another too soon.
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Posts: 5,587
Registered: ‎07-12-2012
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Re: Discharged, denied for cards out of the gate...now what

It's awesome to look back at your first post in this thread and then look at the progress you have made. Give yourself a pat on the back because you deserve it Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Established Member
Posts: 51
Registered: ‎10-12-2015
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Re: Discharged, denied for cards out of the gate...now what

*****Update #10*****


Applied and approved for a used blank check auto loan from Penfed on 7-14-17 for up to 17,500 for 60mos with a 3.74 interest rate! 3.74! Their best rate for used and 60mos is 3.49. I haven't picked out the vehicle yet but it's looking like a 2015 camry SE.

Since I already took the hard pull for the auto loan I applied for a CLI on my Penfed Visa sig card.....instant increase from 5,000 to 6,000 and only a soft pull. I'm pretty **bleep** happy with Penfed right now considering I only really use the card for gas and some light groceries.

I also requested a CLI on my Discover and Cap1 cards but was denied.

I'll update this again when I get the new ride. Thank you everyone so much for all the help, knowledge and advice I have been given.
Valued Contributor
Posts: 1,567
Registered: ‎07-13-2016
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Re: Discharged, denied for cards out of the gate...now what

Awesome progress 👏🏾

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED & SPG | BOA CR | PenFed PR & CR | NFCU FS | Discover IT | Cap1 QS & VENTURE | LOWES | Barclays AVIATOR
Established Member
Posts: 51
Registered: ‎10-12-2015

Re: Discharged, denied for cards out of the gate...now what

[ Edited ]

********Update #11***********

 

 

So  a few things happened over the weekend:

 

 

1) I actually ended up getting a $500 CLI on my Discover card, I realized when I requested my CLI it wasn't quite 90 days yet since my last request, so I hit the luv button again on Saturday.  Its not much but its something.

 

 

2) I gave a Honda dealer an opportunity to beat Penfeds financing rate.  I took 4 hard pulls, ouch.  But I ended up with a 3.32% rate surprisingly @ PNC of all places, and I take deliver of my Certified 2014 Honda Accord SE tomorrow :-).   I got it out the door for $16,000 which I think is a pretty good deal.   With  $1000 down I only financed $15000. The credit score the dealer showed me must have been an Auto enhanced because it had me at 732?  My scores across the board before letting them shotgun me was:  EXP - 690, TU - 665, EQ - 674

 

 

 

Into the garden I go until at least december, maybe then I'll take another shot at  CLI for Discover, Penfed and Cap1.  

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