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Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Bk.....what are your highest CL

[ Edited ]

I was just wondering what your highest post bk CL are? These are CL with bk still reporting...my highest is with fairwinds 2000....then Barclays 3000... Just curious if im doing ok with my portfolio.....my bk is 7 yrs old in june..... Should i expect some lenders to start becoming more CL friendly???

 

 


Frequent Contributor
Posts: 408
Registered: ‎03-16-2012
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Re: Bk.....what are your highest CL

My information probably won't be relevant for you since your a lot further ahead.. lol..  But, I'm posting it anyhow in case someone else can use the info. I'm three years out of chapter 7 bankruptcy. But, because I'm a bit of a moron, I only bothered to open new accounts recently. My highest limit right now is $1000 with capital one. It's set to go to $1500 in a couple more months.

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Frequent Contributor
Posts: 269
Registered: ‎10-04-2009
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Re: Bk.....what are your highest CL

I'll be three years from discharge in September. My highest is $14,000 with Navy. I think the second highest is $4,880 with Barclay.
Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Re: Bk.....what are your highest CL


JenniferinFL wrote:

My information probably won't be relevant for you since your a lot further ahead.. lol..  But, I'm posting it anyhow in case someone else can use the info. I'm three years out of chapter 7 bankruptcy. But, because I'm a bit of a moron, I only bothered to open new accounts recently. My highest limit right now is $1000 with capital one. It's set to go to $1500 in a couple more months.


Yeah...i am just curious with all bk members

Established Contributor
Posts: 839
Registered: ‎10-28-2011
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Re: Bk.....what are your highest CL


bostonte wrote:
I'll be three years from discharge in September. My highest is $14,000 with Navy. I think the second highest is $4,880 with Barclay.
WOW...those are some nice CL just yrs out of bk...congrats

Established Contributor
Posts: 799
Registered: ‎09-27-2011
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Re: Bk.....what are your highest CL

$3,000 Barclay Apple, $3,000 3 Rivers FCU Visa

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,050
Registered: ‎02-03-2009
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Re: Bk.....what are your highest CL

My BK should drop off (finally) 6/2012. My cards and limits are listed in my signature. The Delta Amex is 2 yrs old, and started at 6k. Alliant is also 2 yrs old, and started at 5k.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Diner's Club MC; Macy's AMEX; A few store cards.

Current Scores (5/2015): EQ My Fico: 789; TU MyFico: 777; EX (My Fico): 764
Established Member
Posts: 22
Registered: ‎12-29-2007
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Re: Bk.....what are your highest CL

Filed BK 7 in September 2005.  Barclays 10,000  Barclays 8,200   Chase Slate 6,500  WF Business card  25,000

 

TU Fico 702   Eq 700   Experian Fako 710

 

DW's TU Fico 724  Eq 702  Ex Fako 688

Can't wait for  IIB accounts to fall and score bump.

 

Sniggy 20

Valued Contributor
Posts: 1,143
Registered: ‎05-17-2010
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Re: Bk.....what are your highest CL

My BK7 is just at 6 years post-discharge this month.  

 

My 5 highest CLs are $24K, $20K, $15K, $10K and $8K  

 

I'm very happy with my work done so far in my journey back to the good graces of credit.  I'm hoping it hasn't stopped quite yet. 

Frequent Contributor
Posts: 310
Registered: ‎09-06-2011
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Re: Bk.....what are your highest CL

I'm helping my dad rebuild and explaining the fine rules of credit. He just hit 3 years from BK...applied for Capital One and got $2,000 Green Cash Back credit..not sure what credit steps will bring as his first statement has not cut yet..that is his first tradeline post BK. He did carry the car through it and paid it off on time..his FICO is actually very high for post BK as he is at 687 EQ and 663 TU but I think that is because he filed BK because he has seen the light and knew he won't be able to continue payments on lot of debt..he did not miss any payments prior to BK and everything was paid on time...never missed payments, no charge offs, nothing...had 5K limits with Chase, Dell, Citibank...just talked to a lawyer and was talked into BK..he also lost his job so that was one of the primary reasons. He also never burned CAP1...I noticed on his credit had them for over 10 years and paid them off and closed them 2 years prior to BK...he did burn 3 Chase accounts so I wonder if he could ever get a chase card again. Anyway..he did get a nice limit as a starting card...he got green cash average though so there is a 39 AF...I explained to him to use it wisely and explained finer points of using it as a primary card..but not too put on more than he can spend cash...as thats what got him in debt in the first place...if he pays for 12 months then we can try other prime cards like Discover, Amex Zync and Barclay...

NFCU Visa Sig $30k / Amex Blue Cash $25.5k / Fidelity Amex $25k / Chase Freedom $14.5k / Citi Double Cash $5k / Capital One Quicksilver Visa Sig $5k / Citi Best Buy MC $3K / Barclay Rewards MC $2.95k / BOA - BBR $2.5k / SY Lowes $15k / SY Amazon $6k / Target RedCard - $300
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