I'm about 9 months post BK. Current score in my signature. My EQ was 587 according to Cap1 but I went on a mini app spree so it tanked a bit. I also didn't find this board until a few weeks ago, so I'd been running my cards close to the limit. I've paid them down to under 50% already. Heading towards under 10% by July.
BK Discharged 8/2010
Current LOC's
Auto Loan $11k Opening Dec 2010
First Premier $750CL opened Jan 2011
Firestone/CFNA $900CL opened Apr 2011
Capital One Cash Rewards $500CL Opened May 2011
Starting Score: 596 EQ 5-22-11 / 554 TU 5-23-11
After filing my score dropped down to a low of 531, and then it's slowly been working it's way back up since. Since then I've made sure to never miss a payment, and I always pay more then the minimum. And the past few months I've made sure that my cards are PIF every month.
During my CH7, I re-affirmed my auto loan with Citizens Auto Finance, and paid that on-time every month until my loan was paid off in August 2009.
Since CH7 BK, I've gotten the following cards:
08/2008 - Capital One unsecured cc - $750 limit (currently $2,000 limit)
09/2008 - Target store card - $200 limit (still only $200 limit)
09/2008 - HSBC unsecured cc - $320 limit (closed back in Jan 2010 - interest & fee too high)
12/2008 - Hooters Card/Merrick bank - $500 limit (currently $1,400 limit)
02/2009 - another Capital One unsecured cc - $500 limit (currently $1,500 limit)
04/2011 - Kohls/Cap1 card - $300 limit
I recently also got a new car loan ($21k) at 4.9% through Subaru Finance/Chase.
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