I have to say without this forum I probably wouldnt have been able to accomplish what I have this far 3 months from discharge. Long story short I made some mistakes when I was younger, lost my job in 2012 and went down hill from there. It took me a year to decided wheither filing was right for me or not, but once I was being sued and about to have my wages garnished I filed in Feb of 2015. I had very little experience with credit cards, I had 2 when I was younger like 18 or so and just ran them up didnt pay them back and so on., tried to rebuild in 2011 and 2012 then lost the job. Fast forward to now, I finally make a liveable wage and learned how to manage my finances.
Applied for Credit One April 2015>>approved for $300
Applied to Capital One April 2015>> approved for the secured card, platinum $300 and the QS 1 $300 which have grown to $800 cl each right now
Discharged June 12th 2015
Applied to NFCU July 2015>> approved for Nrewards $1000, applied for other cards with them all were denied
Applied to Mariner Finance>> approved for a $1500 installment loan, apr is high but will be paid off with next bonus check
Applied to Barclays August 2015>> approved for the Rewards card for $1,000
Applied to my local credit union August 2015>> approved for a card for $500
Applied for the Kohl's card>>approved for $300
Student loans rehabbed last year
Car Loan from 2014 maintained through chapter 7 never been late
I have racked up alot of inquires, but I have the cards I want for now and managing multiple accounts very well. I am in the garden now atleast for a year to a year and a half. I hope all these accounts will grow nicely. Never did I think i would have this much credit, maybe alittle to fast who knows, average age of accounts has dropped to 2 years.
Current scores
TransUnion 631, luckly the public record is now showing, one collection account left have had no luck goodwilling or anything
Experian 645
Equifax 644
Thank you everyone for your help!
