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HOW TO: From BK7 discharge to 700 in 24 months or less!

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grassfeeder
Frequent Contributor

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!


@Scupra wrote:

@Guyatthebeach wrote:

No problem at all, Scupra. After having to buy a new car a year head of what I planned, I'm not aping for another. I truly don't need any more credit cards.


Yeah, me too.. I know the US Airways will save me money on some upcoming trips, but do i really NEED the 50k bonus miles? Smiley LOL


I'm dying to be able to get the Alaska Airlines CC but I think it looks like the 7 year mark for that.....??

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 931 of 1,877
Scupra
Super Contributor

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!


@grassfeeder wrote:

@Scupra wrote:

@Guyatthebeach wrote:

No problem at all, Scupra. After having to buy a new car a year head of what I planned, I'm not aping for another. I truly don't need any more credit cards.


Yeah, me too.. I know the US Airways will save me money on some upcoming trips, but do i really NEED the 50k bonus miles? Smiley LOL


I'm dying to be able to get the Alaska Airlines CC but I think it looks like the 7 year mark for that.....??


I would be the wrong one to ask, I burned Bank of America so I haven't looked into them what so ever. How's your rebuild coming BK twin? haha Smiley Happy Can't beleive we will be 3 years post d/c this year!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 932 of 1,877
grassfeeder
Frequent Contributor

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!


@Scupra wrote:

@grassfeeder wrote:

@Scupra wrote:

@Guyatthebeach wrote:

No problem at all, Scupra. After having to buy a new car a year head of what I planned, I'm not aping for another. I truly don't need any more credit cards.


Yeah, me too.. I know the US Airways will save me money on some upcoming trips, but do i really NEED the 50k bonus miles? Smiley LOL


I'm dying to be able to get the Alaska Airlines CC but I think it looks like the 7 year mark for that.....??


I would be the wrong one to ask, I burned Bank of America so I haven't looked into them what so ever. How's your rebuild coming BK twin? haha Smiley Happy Can't beleive we will be 3 years post d/c this year!


I burned BofA as well.  I figured I'm just SOL on that card which is too bad, cause I fly them almost exclusively.

 

As far as my rebuilding goes.  My scores in my sig are current and I can't seem to get them to budget much at all.  Kind of frustrating actually.  I have 3 inquiries that are supposed to drop after this month so I hope that shows me a little love but I'm not holding my breath.  I don't carry balances on any cards accept for a $200 revolver on my NFCU Flag card.  I'm thinking maybe I need to put the others into circulation and just pay em off immediately to show some use??  700 seems like a lifetime away.  However I do agree - 4 years this fall, wow!

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 933 of 1,877
Scupra
Super Contributor

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

I see about a 3-6 point difference with 2 inquires. My EX is killing me! Everything else seems to be raising towards 700 though.

I'm on the fence with this darn Barclay US Airways card! DW said to go for it to save on a trip to VA at the end of the year, so she isn't making it any better!!!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 934 of 1,877
penguin11
Valued Member

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

@Scupra

Just go for the US Airway card, you got a great chance to get i!

Message 935 of 1,877
Chilli
Established Contributor

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

@Scupra, 

 

also why haven't you pushed the luv button on your platinum card to match your other card?

Message 936 of 1,877
Anonymous
Not applicable

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

Thanks for the help!

 

Pulled my reports today and they all look correct!

Message 937 of 1,877
Anonymous
Not applicable

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

Has anyone had any issues pulling their EX report after filing? 5 days before my 341, I got a 3 bureau report here (I used my annualcreditreport.com in May 2014 when looking for a new apartment). There were some issues with it (one creditor with an open account), so I decided to dispute this weekend. However I can not pull my EX because they're saying I have insufficient credit history over the last 6 months to generate a report or score.

Message 938 of 1,877
Scupra
Super Contributor

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

$5,000 approval from Barclay for the US Airways card!!! Thanks everyone, have a great Wednesday!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k 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 | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 939 of 1,877
Anonymous
Not applicable

Re: HOW TO: From BK7 discharge to 700 in 24 months or less!

Way to go on the approval !!! Congrats.Smiley Happy

Message 940 of 1,877
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