Reply
Regular Contributor
Posts: 361
Registered: ‎02-01-2010
0

Re: Pre-Approved Offers Flowing Again

Great job rebuilding! Congrats!

Meg.

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

Barclays / Sallie Mae World MC 13,000 | FNBO 11,600 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Discover 4,000 | Sam's Club 3,000 | Sears 900
Frequent Contributor
Posts: 358
Registered: ‎08-09-2011
0

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
Posts: 358
Registered: ‎08-09-2011
0

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
Posts: 358
Registered: ‎08-09-2011
0

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
Posts: 358
Registered: ‎08-09-2011
0

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
Posts: 839
Registered: ‎10-28-2011
0

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
Posts: 909
Registered: ‎12-25-2010
0

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
Posts: 1,738
Registered: ‎08-13-2012
0

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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.