Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 9
Registered: ‎12-03-2013
0

Re: Just got discharged! YAY

My attorney said it was fine since the card had such a low credit limit. 

Regular Contributor
Posts: 225
Registered: ‎02-22-2013
0

Re: Just got discharged! YAY

[ Edited ]

Wow!!!  I have never worked in the BK field, but I should have had your attorney maybe instead of mine.  He used to send out letters every few months with reminders of things to do and not to do.. Applying for any credit was a no no.  I use to get letters from Cap 1 and Credit One during BK but shredded them.   Probably just a difference in lawyers... but the good thing is you are well on your way to re-establishing your credit and that is a wonderful feeling.  Good luck.

Homeowner Again as of July 17, 2014. Thanks NFCU
FICOs EQ - 670/EX - 702/TU - 696
Cap1 Q1 $3,500 / Cred 1 $2,025 / 1st Natl $2,250 Kohl's $5,000 / Barclay Rew $2,150 / Barclay SM MC $2,400 / NFCU Visa Sig Cash Rew $17k / Lowes $8,800 / Best Buy $4k / NFCU LOC $15k / Walmart MC $1,600 / Chase Freedom $1,500, Discover IT $4k
Member
Posts: 5
Registered: ‎09-29-2007
0

Re: Just got discharged! YAY

Hi Swipe,

 

Congratulations!! If you don't mind what were the terms of your Capital One Auto loan and what were your scores?

New Contributor
Posts: 59
Registered: ‎02-18-2013
0

Re: Just got discharged! YAY

congratulations! Smiley Happy


Ch13 filed 3/2009 : discharged 1/2014
Starting 2/16/2013:
EQ673 TU667
Current 5/15/2016: EX730 EQ842 TU838
Goal: 850

Take the myFICO Fitness Challenge
Member
Posts: 9
Registered: ‎12-03-2013
0

Re: Just got discharged! YAY

My scores were 528 EX - 626 TU - 639 EQ

 

I recieved a heftt 16% APR for my car loan but Im happy. Prior to BK this was something I was never able to achieve and I recently recieved a nice promotion at work.

 

I plan on refinancing anyways at around the 6 month mark with a local credit union.

 

Thanks!


bdciegall wrote:

Hi Swipe,

 

Congratulations!! If you don't mind what were the terms of your Capital One Auto loan and what were your scores?


 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.