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That's GREAT progress! Most of your scores are in the same range as mine but many of those lenders don't show me the same love.
I owed Chase $81k when I filed for BK 6 years ago. Also had a couple of AMEX cards with substantial balances. Would like to get back in with AMEX but I doubt either of them will welcome me back to their family. Cap 1 forgave me though
Man that looks great, anyway I can boost the limits on the cards I have in a few months?
That's it? That's all you got? Did you miss the lectures on Lowe's & Discover CLIs?
Attendance is mandatory, 10-20% of your final grade.
B-
Get with the program before the end of the semester and final grades are calculated!
@pizza1 wrote:First, I've to say that I wouldn't be where I am today without this forum.... It saved my life, and the knowledge and help of everyone. It's seems surreal right now that I have all this credit available to me. I have busted my butt to rebuild, and prove to the CCC that I'm a good risk again. I've kept a 1% util reporting for the last 1.6 yrs. I use all my cards, and I only let one report a small balance every month. I'm super blessed right now, and I only charge what I can come home and turn around and pay off that day.
Ive made sure that I'll never rack up CC debt again like I did before BK. I must be doing something right and my creditors like what they are seeing from me to be able to get the credit I have. Anyway... Here's my list ~~~~
my BK7 was discharged August 2013
Total Credit Card lines~ $75,680, plus a $15k LOC
Navy FCU Visa.........$14k
Cap1 Venture...........$10k
Cap1 QS Siggy.........$10k
Barclays rewards......$4530
Barclays Sallie Mae..$1200
Discover ..................$800 ( I'll have this to 1200 in 6 months)
Care Credit..............$7k
Walmart...................$5900
JCP...................... ...$3500
Amazon....................$3500
Gap...........................$3500
Lowes.................... ..$300 (I'll have this to 3k in a few months)
J Crew......................$8250
First of all, good job in rebuilding your credit. However, it seems you're on a path to danger again if you're tempted to spend yourself into another debt spiral.
It's good to show us all those beautiful CLs but the temptation must be so great to spend - how are you controlling yourself from going into the black hole again?
@pizza1 wrote:
Well, if you look in my Siggy, you'll see I'm way past that from when I originally posted this thread
WHAT!
Now you're dropping down to a C! Do you honestly think that shoddy bandage you simply slapped on is acceptable?
Well said pizza1