Credit Card Center Advertiser Disclosure

New Member
Posts: 4
Registered: ‎12-10-2012
0 Kudos

What else should I be doing?

My very first post!


I filed for Chapter 7 in 3/12 and it was discharged at the end of June. I got approved for an orchard bank card ($300) a few weeks before BK. I went app crazy but was denied so many times. After a few months of just being nervous with all the denials I tried for a Captial one and got approved for $300 credit limit and was automatically approved for the steps programs.Customer service rep said after using and paying the card for five straight months by 7th statment it will reflect a $500 cl. I did not have a checking account due to being reported to Chex Systems but did manage to open one up in October. I have never been late on my Orchard but have utilized close to limit many times. Finally putting my effort to get back on track in order to purchase a home by 2015.


Before bk my credit score was about 526 (transunion) and 516 (equifax) and 503 (experian) I work for the accounting/collections dept at my job and we use Equifax so my boss pulled my report for me.


Now Im 576 (trans) and 566 (eq)...


Should I just work these two cards for the next few months or try for a secure card as well? I dont want to keep applying for stuff and getting denied.My student loans are deferred but starting in March my deferment ends so hoping that moves the points upward. What can I do to keep the momentum going or should I just garden for now?


EQ 566 (12/12)
TRANS 576 (12/12)

GOAL: 700-720 across the board
Community Leader
Senior Contributor
Posts: 5,552
Registered: ‎07-12-2012
0 Kudos

Re: What else should I be doing?

Welcome to the forums first off! This place will help you a lot. I think right now you should garden for a bit, maybe a year.. Just make sure to keep at or below 9% util and always be on time. Is everything reporting correctly from the BK? Now would also be a good time to make sure it is Smiley Happy Take a look at the how to 700 etc thread it will be great info.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
735 EQ FICO 09/2017
744 TU FICO 09/2017
737 EX FICO 09/2017
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $17k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE
Frequent Contributor
Posts: 292
Registered: ‎02-05-2012
0 Kudos

Re: What else should I be doing?

If you want to clear your checksystems record you need to fax them a copy of your discharge papers. They wiped out my whole report, PM Me.

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Valued Contributor
Posts: 2,441
Registered: ‎11-29-2012
0 Kudos

Re: What else should I be doing?

[ Edited ]

I'd like that information too if you don't mind.  Will that work on Telecheck as well?  

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.