My story, more of a history for myself and an example for others. Please post any recomendations that may help.
My History: youth, divorce, illness, job loss, blah blah blah time to move forward
Score History
May 2015 Ex 431
May 2016 Ex 424
August BK Discharged
August 2016 Ex 622 EQ 601 TU 598 (From Mortgage App)
November 2016 EQ 643 (From Discover)
Current Lines of Credit
Credit One $400 8/2016
Discover (Secured) $200 10/2016
Merrik $750 TBD(In Mail)
FCU Auto Loan $5,000 Reaffirmed 9/2016
Student Loan $10,071 Opened 10/2016 Deferred
Student Loan $49,800 Opened 10/2012 Deferred
Land Contract on Rental $30,000 8/2016
Liabilities $93,871 (HOLY S@#$)
CC - $0
Rental House - $29,000
Auto Loan - $5,000
SL - $59,871
Assets(willing to sell) $46,000
Rental House $35,000
Caddy $3,000
Durango $7,000 - Up for Sale SOLD
Boat $700 - Up for Sale
Bike $300 - Up for Sale
Credit Building Issues/Attempts (Basically my Path)
Filed BK to eliminate a lawsuit I lost
EX reporting old CC as open, 11/29/16 - dispute finished, balance set to $0 but still reporting as open, will leave alone for now since shows credit limit of $2k
All 3 reporting collections after BK, Closed all have been removed
Several CC inquires --> opened 2
Captial One Charged off May 2016 --> Re-apply in June 2017
Credit One Phone call --> Apply for CLI in Feburary per Represenative
Working on 2nd house purcahse, got pre-approved for mortgage with $0 down from local CU
No more new credit inquires untill June 2017, will continue to grow Discover by $100/month through additional deposits
11/28/16 - 2nd Home purchase, got terms yesterday, 5% down 6% interest, **bleep**ty interest rate, but what do i expect i just filed BK lol
- Trying to get $ together for closing costs
12/6/16 - opened PenFed Account, applied for NFCU account
1/3/17 - Got First Premier "Pre-Approved" Offer
1/4/17 - Got Merrik "Pre-Approved Offer
1/4/17 - Accepted Merrik Offer
Helpful Posts
How to join NFCU http://ficoforums.myfico.com/t5/Bankruptcy/How-to-join-NCFU-and-rebuild-as-a-civilian-the-right-way/...
How to Join NFCU2 http://ficoforums.myfico.com/t5/Personal-Finance/Navy-Federal-CU-The-REAL-way-in-for-those-that-dont...
BK --> 700 http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...
BK Friendly CC http://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737
Back Door Numbers http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066
Secured Card Database http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/m-p/3854048#M399452
