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Contributor
SpiceIslander
Posts: 326
Registered: ‎02-01-2010

Re: Pre-Approved Offers Flowing Again

Great job rebuilding! Congrats!

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Amex BCP 12900 | Lowes 10,000 | LOC 9300 | Sallie Mae/Barclays World MC 9000 | FNBO 8900 | BOA Platinum+ 6000 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Pre-Approved Offers Flowing Again


cmnbachiller wrote:

But I would like to ask how you went from 693 to over 800 in less than 1 year.


Welcome.  As I said in my post, it was from the Chapter 7 falling off the record at the 10-year mark, having responsibly managed my credit ever since the BK.

 

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Pre-Approved Offers Flowing Again


Jlu wrote:

To get your answer you may need to build a time machine, set the dial to 3 months in the past and BLAST OFF!


 

Good one!

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Pre-Approved Offers Flowing Again


babablue wrote:

lol. He's in the 800 club now, he no longer has need for us peasants :smileyvery-happy:


I'm still here, just not as much as I used to be. :smileyhappy:

 

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011

Re: Pre-Approved Offers Flowing Again


amercnchopz34 wrote:

steve23111 wrote:

I've pretty much got all I want and need, but if a good rewards card comes along to supplement my AMEX BCP, I may just bite.

 

I've entertained a Discover or another of the rotating category cards to beef up the cash back a bit.  My partner and I share an AMEX (he's an AU on my BCP) and use the cash back to fund "mini vacations" every few months.


steve,

 

How long after your BK did u get your amex BCP????


It was in February of last year, so that's (counting on my fingers) a little under 9 years after the BK.  I had not attempted to get one prior to that, but did include them in my Chapter 7 in May 2002.

 

5/2002 - Chapter 7
7/2011 - Equifax FICO 693
5/2012 - Equifax FICO 812! In the "800 Club!"
2/2013 - Lender-pulled EQ FICO 821 (car loan)
7/2014 - Lender-pulled EQ FICO 832 (car loan)
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011

Re: Pre-Approved Offers Flowing Again

[ Edited ]

steve23111 wrote:

amercnchopz34 wrote:

steve23111 wrote:

I've pretty much got all I want and need, but if a good rewards card comes along to supplement my AMEX BCP, I may just bite.

 

I've entertained a Discover or another of the rotating category cards to beef up the cash back a bit.  My partner and I share an AMEX (he's an AU on my BCP) and use the cash back to fund "mini vacations" every few months.


steve,

 

How long after your BK did u get your amex BCP????


It was in February of last year, so that's (counting on my fingers) a little under 9 years after the BK.  I had not attempted to get one prior to that, but did include them in my Chapter 7 in May 2002.

 


Is that the only amex you have ??     Did you get any prime cards when your BK was hitting the 8 yr mark??


Established Contributor
JonStur
Posts: 902
Registered: ‎12-25-2010

Re: Pre-Approved Offers Flowing Again

Congrats!!! I know the feeling and it feels terrific...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Pre-Approved Offers Flowing Again

i know exactly what you feel post....cuzz im feeling the same way man.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k


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