Credit Cards Center Credit cards from our partners
Posts: 7
Registered: ‎12-22-2012


So I have been in the process of rebuilding for a few years now after my BK7 discharged in 3/08. Credit at that time was horrible but had a spouse with stellar credit. She cosigned for a couple auto loans through the years until we divorced in 12/11. Fast forward an over the past 6 months I have gotten all three bureaus as of yesterday 1/23 into the 700 club! So freaking excited to join the club finally. I just opened a Barclay Rewards, a CapOne Cash Rewards and now last night a Platinum Rewards through my credit union with a 3500 limit! 3x's my largest limit. I have several rebuilder cards I used to keep balances on now all ablances are zero and PIF each month. I must admit my income has greatly increased since 2011 so this has helped pay thingd down and get the scores up. I will note however the only card I applied for and got denied was a discover more card. Anyways here's my list in order of age and now I am back to gardening until I buy my house later this year.


CapOne Platinum-1000





CapOne Cash Rewards-1000

Barclays Rewards-1000

PSCU Platinum Rewards-3500


And all PIF each month. Score went from 628 on all 3 bureaus, which I have never seen, in May of 2012 when I bought my truck to 708 EQ, 714 TU, 700 EX, all lender pulled yesterday looking into mortgage. And not even 5 years yet after BK. Feeling good about it. On a side note I have had more than a few installment loans through my credit union and they are a true resource when rebuilding. Hope this helps someone who's trying to rebuild. CHEERS


Rebuilding from BK7 in January of 08
Multiple auto loans since
Current scores: 711 EQ, 714 TU, 700 EX
Goal Scores: 720+ on all 3
Card Mix:
CapOne Plat-1000
Credit One-500(CLOSED)
CapOne Cash Reward-1500
Barclay Rewards-3500
PSCU Plat Rewards-3500
Posts: 27,207
Registered: ‎09-13-2012

Re: Finally!!

Congratulations on your hard work. I am sure you are done apping for awhile ESP if you are thinking about a mortgage. Your current cards will age nicely ( Ge cards are known for generous CLI's)  and since you have rebuilt your profile I am positive more prime cards are in your future. 

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.

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.