My rebuild story :)

[Anonymous]

So, I ensured my reports reflected that every account has IIb. Had to dispute a few things that were not reporting correctly but they have been fixed. So, when should I apply for the Cap1?

Thanks for taking the time to respond to me. 

[Scupra]

Capital One gave me a small CLI taking me from $6,200 to $6,600 woooo! haha

Not too many changes now. Just sitting back enjoying the garden for a bit

[TXinandout]

Ahhhh the garden... I'll have a beer or margarita with you, congrats on the increase!

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@Scupra wrote:

Capital One gave me a small CLI taking me from $6,200 to $6,600 woooo! haha

Not too many changes now. Just sitting back enjoying the garden for a bit

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[Scupra]

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@TXinandout wrote:

Ahhhh the garden... I'll have a beer or margarita with you, congrats on the increase!

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@Scupra wrote:

Capital One gave me a small CLI taking me from $6,200 to $6,600 woooo! haha

Not too many changes now. Just sitting back enjoying the garden for a bit

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Haha, start pouring! I'll probably be here in the garden until a possible AMEX app later this year

[TXinandout]

cheers!

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@Scupra wrote:

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@TXinandout wrote:

Ahhhh the garden... I'll have a beer or margarita with you, congrats on the increase!

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@Scupra wrote:

Capital One gave me a small CLI taking me from $6,200 to $6,600 woooo! haha

Not too many changes now. Just sitting back enjoying the garden for a bit

---

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Haha, start pouring! I'll probably be here in the garden until a possible AMEX app later this year

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[Anonymous]

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@Scupra wrote:

Hey everyone! Just wanted to spell out my rebuild to add to the already great rebuild stories after bankruptcy. I filed BK7 07/2012 after beating myself up for years. I had some medical issues that caused me to lose my job and incur a ton of medical debt. I was discharged in 10/2012 and found the "BK7 to 700" thread a little late. Now I have a built up savings account and an emergency fund to protect my financial future, and most of all credit.

- 10/2012 Cap1 opened at $500 ----> 04/2013 increased to $2,000 by auto CLI ----> 09/2104 increased to $5,000 by exec office request

- 10/2012 NFCU secured opened at $500 ----> 11/2013 unsecured and CLI to $7,000 ----> 08/2014 CLI to $14,000 by luv button

- 02/2013 NFCU opened at $1,000 ----> 11/2013 increased to $8,500 ----> 08/2014 CLI to $14,000 by luv button

- 07/2013 auto loan 4%

- 12/2013 NFCU $15k NavChek

- 02/2014 Barclay Arrival $3,000 ----> 08/2014 auto CLI to $4,500 I called in to recon limit and was increased to $6,000

It's been said many times and I will echo that there is life after bankruptcy and to just stick to the plan and be patient. Thank you to everyone on the boards for helping me get out of a bad situation and into a great one. Good luck everyone! 

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Great data points...great story and great success..Congrats on your so far successful journey..keep up the good work!!

[Scupra]

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@Anonymous wrote:

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@Scupra wrote:

Hey everyone! Just wanted to spell out my rebuild to add to the already great rebuild stories after bankruptcy. I filed BK7 07/2012 after beating myself up for years. I had some medical issues that caused me to lose my job and incur a ton of medical debt. I was discharged in 10/2012 and found the "BK7 to 700" thread a little late. Now I have a built up savings account and an emergency fund to protect my financial future, and most of all credit.

- 10/2012 Cap1 opened at $500 ----> 04/2013 increased to $2,000 by auto CLI ----> 09/2104 increased to $5,000 by exec office request

- 10/2012 NFCU secured opened at $500 ----> 11/2013 unsecured and CLI to $7,000 ----> 08/2014 CLI to $14,000 by luv button

- 02/2013 NFCU opened at $1,000 ----> 11/2013 increased to $8,500 ----> 08/2014 CLI to $14,000 by luv button

- 07/2013 auto loan 4%

- 12/2013 NFCU $15k NavChek

- 02/2014 Barclay Arrival $3,000 ----> 08/2014 auto CLI to $4,500 I called in to recon limit and was increased to $6,000

It's been said many times and I will echo that there is life after bankruptcy and to just stick to the plan and be patient. Thank you to everyone on the boards for helping me get out of a bad situation and into a great one. Good luck everyone! 

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Great data points...great story and great success..Congrats on your so far successful journey..keep up the good work!!

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Thank you very much!

[Wizdog1]

Hey there my friend Scupra, just popped in to say I love those scores of yours!  And also to thank you for continuing to support and encourage us all.  I don't know what I would have done without this forum and the many people who contribute. Those were some pretty dark days back almost 3 years ago, you were and are my hero !

[Scupra]

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@Wizdog1 wrote:

Hey there my friend Scupra, just popped in to say I love those scores of yours!  And also to thank you for continuing to support and encourage us all.  I don't know what I would have done without this forum and the many people who contribute. Those were some pretty dark days back almost 3 years ago, you were and are my hero !

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Wizdog my old friend!!!! Glad you stopped in to say hello. I am right there with you, I was beyond lost and extremely embarrassed when I filed. Finding myFICO was a blessing for not only my credit, but my well being. Having this outlet to talk, rebuild and learn from others in the same situation helped me more than I could ever describe

[Scupra]

Decided that I wasn't using my Arrival card much anymore.. So I closed it and moved the limit to my Aviator card