Working my Rebuild!

[Scupra]

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@Anonymous wrote:

Update time!

Tonight I pushed the often-celebrated "luv button" on Cap one - after having reduced the balance to $10 and let it sit there a couple of days

THEY RAISED IT TO $7000!!

For those of you paying attention, that's a 125% increase from the SL, 77 days after account opening

Next step:  After this statement cuts and is paid I'm going to call and see about upgrading it to QS

I'm a very happy camper right this minute

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Congrats on the awesome limit!

[Anonymous]

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@jkjklkjkl wrote:
If your wife has not actually applied for a Cap One card, I wouldn't assume she's blacklisted. I burned them and I was approved for a card, before I was even discharged, for $500 and no credit steps.

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Yeah, but while there may be an outside chance, it's a FAIRLY safe bet...she comes up empty on the Prequal, and Cap One is definitely one of the shiny new IIB accounts on her CRA's - there are plenty of other options, I'm going to hold on Cap one for her until next April at a minimum

[jkjklkjkl]

I had no prequalified offers, and still don't. And, if she's blacklisted, it won't be a hard pull. Most people who've been approved by Cap One after bankruptcy don't get any prequalified offers.

[Scupra]

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@Anonymous wrote:

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@jkjklkjkl wrote:
If your wife has not actually applied for a Cap One card, I wouldn't assume she's blacklisted. I burned them and I was approved for a card, before I was even discharged, for $500 and no credit steps.

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Yeah, but while there may be an outside chance, it's a FAIRLY safe bet...she comes up empty on the Prequal, and Cap One is definitely one of the shiny new IIB accounts on her CRA's - there are plenty of other options, I'm going to hold on Cap one for her until next April at a minimum

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A pre-qual is not needed to qualify for a Capital One card. Plenty of people have burned Cap1 and then are able to get right back in. Like stated above, if she is blacklisted they won't pull her credit.

[Scupra]

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@jkjklkjkl wrote:
If your wife has not actually applied for a Cap One card, I wouldn't assume she's blacklisted. I burned them and I was approved for a card, before I was even discharged, for $500 and no credit steps.

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I would be shocked if you weren't enrolled in credit steps

[Anonymous]

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@Scupra wrote:

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@jkjklkjkl wrote:
If your wife has not actually applied for a Cap One card, I wouldn't assume she's blacklisted. I burned them and I was approved for a card, before I was even discharged, for $500 and no credit steps.

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I would be shocked if you weren't enrolled in credit steps

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I am enrolled in credit steps - I'll post another update once the card hits that 5th statement

[Anonymous]

Update!

Funniest thing happened last week - I realized the monitoring product I was using from EQ sucked so I cancelled it - went with CCT instead, so now I have real FICO's for y'all's viewing pleasure:

ME - 7/15/2016

EQ - 673

EX - 667

TU - 660

SHE - 7/15/2016

EQ - 674

EX - 649

TU - 631

not sure why her EX and TU are lagging, but if I had to guess I'd say that's where Fingerhut reported her (legitimately) 30 days late right before we filed, and Fingerhut was all hers  

[Anonymous]

Another update! (I'm just rotten with updates recently, aren't I?)

I was on Cap One reviewing transactions, when I saw the large, green, shiny, candy-like "Chat Now" button...I know I had planned to wait until my next statement...but it was so shiny...and large...and green...and candy-like...I tried to resist...really, I did...but my mouse seemed to slowly travel over the screen of it's own accord and before I realized...I had pressed it!

Fortunately I was then connected to a very nice customer service rep who was sympathetic to my plight, and was able to help...

My non-shiny no-AF Platinum card is now a shiny-new no-AF Quicksilver card!!

(I also asked for an APR reduction, but that was a no-go)

Cash back here I come!  Whee!!

[Scupra]

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@Anonymous wrote:

Another update! (I'm just rotten with updates recently, aren't I?)

I was on Cap One reviewing transactions, when I saw the large, green, shiny, candy-like "Chat Now" button...I know I had planned to wait until my next statement...but it was so shiny...and large...and green...and candy-like...I tried to resist...really, I did...but my mouse seemed to slowly travel over the screen of it's own accord and before I realized...I had pressed it!

Fortunately I was then connected to a very nice customer service rep who was sympathetic to my plight, and was able to help...

My non-shiny no-AF Platinum card is now a shiny-new no-AF Quicksilver card!!

(I also asked for an APR reduction, but that was a no-go)

Cash back here I come!  Whee!!

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Great job!!! Glad they got it converted for you

[Anonymous]

With those scores, I think both you and your wife should apply for NFCU cash rewards card. They are bk friendly and will grow with you.

Barclay is going to want to see 6-12 months of payment history. I have no idea on Alliant and their unsecured products.