I may have credit card OCD !

Anonymous · ‎09-19-2016

Well not really, but I'm currently waiting impatiently for my second 6th month review for an increase with capital one. I've asked for 1 about 3 times in the past 4 months. I get the same message, sorry not available at this time.I am 21 months post Chapter 7 and my credit scores are poor, 598 TU, 598 EQ, 613 EX. What can I do to stop worrying about getting approved or applying at another bank? I've spent about 4K between April and September. No late payments. Credit Limit: $800.....

Anonymous · ‎09-19-2016

There's a great thread here about how to build credit to 700 after bankruptcy, but I cannot remember the title to save my life. It has amazing info in there for how to do it right. Maybe someone can chime in with a link.

Pway · ‎09-20-2016

Are the scores listed in your signature FICO or FAKO? Where do you obtain your scores from? Seeing that you have had this card for 8 months, I would suggest you apply for Barclay's.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

Anonymous · ‎09-21-2016

What's FAKO? I got my scores from each credit bureau. Barclays would approve me with such low scores?

rmduhon · ‎09-21-2016

FAKO is a fake FICO, basically. It's actually a non-Fico score. And if I'm not mistaken, the CRA's provide FAKOs. Get your scores from Creditchecktotal for $1 (7 day trial) or here

cjane1 · ‎09-21-2016

Don't go by the scores on CK they are FAKO's, it is a great site to go for reporting on credit report only.

Anonymous · ‎09-22-2016

ok. thanks