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

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: 3,361
Registered: ‎07-12-2012

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
725 EQ FICO 11/2015
724 TU FICO 11/2015
723 EX FICO 11/2015
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.8k Cap1 Quicksilver | $10k Amazon Store | $11k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012

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.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Community Leader
Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012

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)

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