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Decided to do updates monthly without editing original post. Edited to add accomplishments for December 2012 and Apple Credit Union Denial
The only baddie I have besides IIB accounts that is hurting my score is rehabilitated student loan. This is effecting my 700 goal post 2 year filing.
Still have not updated my credit scores. Will be contacting to see the update.
- Filed bankruptcy 4/2011
- Discharged 10/2011
- Entered Rehabilitation for student loan February 2012
- Checked credit score (myFICO Equifax 523) March 2012
- Finance a car 04/2012 (Capital One Auto 8%)
- Read I needed revolving accounts 6/2012
- Applied for Capitol One unsecured and approved $500 limit June 2012
- Applied for Barclay and was denied (no revolving credit cards)
- Applied for a secured Capitol One Card deposited $1000.00 June 2012
- Pulled all three credit reports and clean up all items that were not IIB. Equifax score was 562 August 2012
- After fixing all accounts Equifax is now 643 Transunions 628 (myFICO score)
- HSBC/Capital One was hard to IIB, finally updated in December 2012 on all reports after filing BBB complaint.
- finished rehabilitation for HESC on October 27, 2012. Called and was told loan was picked up November 19, 2012. No changes to credit reports as of yet.
- Sent GW letter to VP office Fed loans. Late removals denied. Received response November 2012
- Capital One unsecured card received $250 auto increase
December 2012 - Applied and approved for Apple Barclay card December 2012
- Applied for Apple Financial Credit union secured visa and denied due to BK December 2012
Right now my credit report has the following negative factors
Student loans lates (last late April 2012) in-school forbearance now
Student loan collections (waiting for rehabilitation completion to report) Still waiting......
Inquires: Last hard pull December 5, 2012
Inquires less than 12 months old:
Tranunion: 2 ( both a year old in December 2013)
Equifax: 9 (7 will be a year in April 2013. 2 will be a year old in June 2013
Experian: 6 (3 will be a year in April 2013. 3 will be a year old in June 2013
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