Greetings Community,
I have been following this awesome community of helpers for a while and decided to sign up. I have gleaned much knowledge from this forum and have made great improvments to my credit but still need some tips. I am one year out since discharge of my Chapter 13 (100% Payback as mine was due to job loss lasting 2 years) and have somehow managed to get Exp to 707, EQ to 700 and TU to 697. I have also through my relation to NFCU (awesome and highly recommend) been able to get a Platinum Visa for $20K, Capital One Quicksilver One for $7K, Secured USAA MC for $5K (started with this one), Discover for $500, Amazon Prime store card for $800 and QVC for $400 (I am not sure how to create the card pics at the bottom of my signature yet). I made the mistake of too many inquiries as I got overzealous in my "apping" so I will "garden" for awhile per the suggestions in here. My questions for the community are that I applied for a second NFCU card (Go Rewards) and I was declined with the reason being "too many very delinquent accounts". Since I included everything I had in my bankruptcy, should they not say paid in full (100% payback) or included in bankruptcy vs still reporting as extremely late? Additionally that I already have a $20K Platinum Visa with them. Also it is my understanding that AMEX is the white whale and I am just going to have to wait 8+ years (I've never had any of their products).
