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My Post-BK Rebuild Update

Valued Contributor

My Post-BK Rebuild Update

 

I just got approved for the Chase Amazon Visa Signature 15 months post-BK, so I wanted to do a rebuild update:

 

IIB: Amex, BofA, Comenity, Citibank, Chase, DSNB, Synchrony, WFB.

 

 November '15

BK7 Discharged

May '16

Credit One approved, $400 SL-Now Closed

June '16

Capital One Platinum approved, $3000 SL, now a QS at $3800

July '16

 Discover it approved, $1000 SL, now at $3300

Victoria's Secret approved, $500 SL via Shopping Cart Trick, now at $800

NFL Extra Points approved, $3500 SL, now at $4500

 November '16

jetBlue Plus approved, $4000 SL

December '16

Closed Credit One

Quicksilver approved $10000 SL

 

2/15/17Apped for Chase Amazon Visa Signature, received 30-day review

2/21/17- Received denial letter in mail

2/22/17- Called for recon, approved $500 SL

 

In my Wallet Today

Capital One Quicksilver MC, $3800

Discover it, $3300

Victoria's Secret, $500

NFL Extra Points Visa, $4500

jetBlue Plus WEMC, $4000

Capital One Quicksilver WEMC $10000

Chase Amazon Visa Signature $500

 

FICO 8 Scores: EQ 687, TU 652, EX 677

Total Credit Limits: $26900

 

My rebuild has been a little more fast and furious than I intended, but I am happy with the results. Later this year, I plan to combine the two QS, and close NFL Extra Points and roll balance onto the jetBlue Plus to pare down my wallet. 

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 1 of 21
20 REPLIES
Community Leader
Senior Contributor

Re: My Post-BK Rebuild Update

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Great job getting in with Chase!! Very happy for you and your success

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 11/2017
750 TU FICO 11/2017
735 EX FICO 11/2017
$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
Message 2 of 21
Valued Contributor

Re: My Post-BK Rebuild Update

Thanks, Scupra! I forgot to put that it was approved after recon. Will edit original post.☺
Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 3 of 21
Established Contributor

Re: My Post-BK Rebuild Update

Thanks for sharing the story Bella! You have great cards and are moving on up to bigger and better Smiley Happy






Message 4 of 21
Frequent Contributor

Re: My Post-BK Rebuild Update

Congratulations again and thank you for sharing here too, you will inspire many with your success.
BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 5 of 21
Contributor

Re: My Post-BK Rebuild Update

Congradulations, great rebuild gives hope to the rest of us waiting to start rebuilding!

Filed Ch 13- 8/29/17
Message 6 of 21
Valued Member

Re: My Post-BK Rebuild Update

That is impressive, especially with Chase IIb. I love to see these stories, gives me some hope!

 

Rebuilding from BK 7
EQ-554 TU-567 EX-542 ~ Day of Filing (2/2017)
EQ-559 TU-496 EX-510 ~ Day of Discharge (6/2017)
EQ-668 TU-670 EX-658 ~ Current (8/17)
Live, learn, and overcome
Message 7 of 21
Regular Contributor

Re: My Post-BK Rebuild Update

Hard work pays off!

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
Message 8 of 21
Valued Contributor

Re: My Post-BK Rebuild Update


geemillz22 wrote:

Hard work pays off!


Yes, it does, geemillz! It looks like you've done some work of your own. Nice cards and limits in your signature. Smiley Happy Was BoA IIB for you? I want to get back in with them someday, and I've heard the secured route is a good way to go. Wasn't sure how long I have to wait.

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 9 of 21
New Contributor

Re: My Post-BK Rebuild Update

Great job getting in with Chase.... Do you recal which CRA they pulled? Did you burn them in the BK from 2015? I was dicharged a month prior to you and was thinking of taking a chance on them again....

BK Filed 06/15 and D/C 09/15 Current FICO 8 November 2017 EQ 666 EX 645 TU 668 CAP 1 Venture MC 11.2 k, BOA Cash Reward Visa 2k, Target 800, Banana Republic 5k, NFCU 30k, NavChek CLOC 15k, NFCU AMEX Rewards 3.6k, Barclays NFL 11.5k, Discover IT Cash Back 5.8k, Discover IT Travel 9.2k PayPal 3.5k, Wal-Mart 5k, Amazon Prime 5k, Belk 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 118K.
Message 10 of 21