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Looking for some guidance on next steps of credit rebuilding. To date, I 've secured approximately 45k worth of credit since BK7 discharge 09/2015. Accounts are as follow:
CAP1 Venture 3k (Balance 0)
CAP1 M/C 8.2k (Balance 4k)
Barclays Visa 10k (Balance 0)
Barclays M/C 3k (Balance 0)
NFCU rewards Visa 18k (Balance 0)
Discover 2k (Balance 350)
Walmart 3k (Balance 0)
Amazon 1800 (Balance 0)
PayPal 900 (Balance 0)
Belks 300 (Balance 0)
My thoughts at this point are to "garden" for the next six months and continue to work on gettin the last 6 IIB off my three CRA's reports. My FICO 8 scores are TU-662, EX-646 and EQ-659. My credit utilization is 9% most balance paid-off each month. This board has been an excellent resource in terms of getting my credit back in respectable manner. I welcome any feedback or thoughts. Still working to getting my scores to the "700" mark.
That's a lot of cards! How did you do that?
My discharge was 7/15. I've been denied twice because of it. I'm right at the max level of HPs that I'm comfortable with on TU.
These approvals all came from studying the discussion board and disputing the heck out of all the bad marks on my report. The board is a huge resource from how to dispute to the creditors that are BK7 friendly. That being said, I have quite a few inquiries on my EQ (15) and TU (23) reports at this point. I guess that's the trade-off in order to re-establish.
You nailed it, time to garden I would stay there until most, if not all, inquiries drop off.
Thanks!!! Definitely not applying for anything new.... Going to focus on maintaining and growing the limits.
Did you burn Barclays in your BK7?