Increase : ) Club 600

BCINS · ‎01-11-2016

So happy gotta post. Four months after Chapter 7 & I've hit the 600's across the board. YaY Me! Plan on gardening until July so that'll be 9m out of BK & I'll see where I am & go from there. If you're just starting keep it up you can do it

Chpt 7 Discharge 09/01/15
Starting: EQ 498 ~ TU 476 ~ EX 494
Current-09/03/16: EQ 679 ck ~ TU 703 fico ~ EX ?
Cards: Lowes $12000~Cap1 QS1 $4000 ~Cap1 Platinum $2000
Venture1 $2000~Share Loan: paid ~DiscoverIt $1300~Thrifty Credit: $500~Fingerhut $250~PayPal Cr $750 ~Barclay Apple $1000~Overstock $750~~ Walmart Store: $3000~ Amazon Store: $1500~BP: $3500~Venus:$450 -TJ Maxx: $3500

Anonymous · ‎01-11-2016

Congrats!!

Anonymous · ‎01-11-2016

aw yeah CONGRATS

alextercero · ‎01-11-2016

Congrats

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

Anonymous · ‎01-12-2016

Me too!! I never did bankruptcy but likely should have at one point. I am finally crawling my way out of the depths of FICO Land. Just checked on CCT since myfico is so slow to update and my Equifax has gone from 599 to 634! Experian is 601 and Transunion 621. There is hope.

BCINS · ‎01-13-2016

TY ☺

Chpt 7 Discharge 09/01/15
Starting: EQ 498 ~ TU 476 ~ EX 494
Current-09/03/16: EQ 679 ck ~ TU 703 fico ~ EX ?
Cards: Lowes $12000~Cap1 QS1 $4000 ~Cap1 Platinum $2000
Venture1 $2000~Share Loan: paid ~DiscoverIt $1300~Thrifty Credit: $500~Fingerhut $250~PayPal Cr $750 ~Barclay Apple $1000~Overstock $750~~ Walmart Store: $3000~ Amazon Store: $1500~BP: $3500~Venus:$450 -TJ Maxx: $3500

BCINS · ‎01-13-2016

This is cool Thanks!

Chpt 7 Discharge 09/01/15
Starting: EQ 498 ~ TU 476 ~ EX 494
Current-09/03/16: EQ 679 ck ~ TU 703 fico ~ EX ?
Cards: Lowes $12000~Cap1 QS1 $4000 ~Cap1 Platinum $2000
Venture1 $2000~Share Loan: paid ~DiscoverIt $1300~Thrifty Credit: $500~Fingerhut $250~PayPal Cr $750 ~Barclay Apple $1000~Overstock $750~~ Walmart Store: $3000~ Amazon Store: $1500~BP: $3500~Venus:$450 -TJ Maxx: $3500

BCINS · ‎01-13-2016

Yes & it feels so good lol way 2 go

Chpt 7 Discharge 09/01/15
Starting: EQ 498 ~ TU 476 ~ EX 494
Current-09/03/16: EQ 679 ck ~ TU 703 fico ~ EX ?
Cards: Lowes $12000~Cap1 QS1 $4000 ~Cap1 Platinum $2000
Venture1 $2000~Share Loan: paid ~DiscoverIt $1300~Thrifty Credit: $500~Fingerhut $250~PayPal Cr $750 ~Barclay Apple $1000~Overstock $750~~ Walmart Store: $3000~ Amazon Store: $1500~BP: $3500~Venus:$450 -TJ Maxx: $3500

BCINS · ‎01-13-2016

And here comes the games. Just got an alert TU decreased 4pts due to late payment & too few credit cards. So a collection I gave up disputing, which used to show a positive on report b4 BK was added to my BK. Well checked report and now it says open when it was showing closed. Geesh well EX increased 25

Chpt 7 Discharge 09/01/15
Starting: EQ 498 ~ TU 476 ~ EX 494
Current-09/03/16: EQ 679 ck ~ TU 703 fico ~ EX ?
Cards: Lowes $12000~Cap1 QS1 $4000 ~Cap1 Platinum $2000
Venture1 $2000~Share Loan: paid ~DiscoverIt $1300~Thrifty Credit: $500~Fingerhut $250~PayPal Cr $750 ~Barclay Apple $1000~Overstock $750~~ Walmart Store: $3000~ Amazon Store: $1500~BP: $3500~Venus:$450 -TJ Maxx: $3500