Rebuilding success after bk

[kugel]

I am less than a year after discharge
Have $24,750 in available credit

I have the Penfed promise card for over 2 months now applied for a cli online and got instant approved went from $2500to $17000,

[gdale6]

Excellent increase grats

[Anonymous]

Grats!!

[Anonymous]

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@kugel wrote:
I am less than a year after discharge
Have $24,750 in available credit

I have the Penfed promise card for over 2 months now applied for a cli online and got instant approved went from $2500to $17000,

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Congratulations to you!...Thanks for sharing.

[grillandwinemaster]

Congrats! How Did you manage to get those kind of limits so soon after bk? If you don't mind sharing, what are your current scores? 

Thanks, and Congrats again!!

[Anonymous]

Awesome! PenFed seems much more BK friendly now than they were last decade. 

[kugel]

Fico score 676 equifax

[Anonymous]

Congrats!! I'm actually thinking of joining penfed in a few months(currently building relationship with 2 other CU's at the moment). I am 6 months post discharge. have about 9 new credit cards since then(i know its too much) $12401 Total CL. always under 9% utilization every month. FICO TU 652.  

If you dont mind me asking. How much was your checking/savings balance when they approved you that new CLI. wanted to see if that plays a part of higher CL

[kugel]

My savings balance was $4000 

ppl say it doesn't help to get approvals I believe it does make a diff 

Waht are the 9 cards u got ?

[Anonymous]

Cool thank you for the information. I believe that is the case too if the CU has tiered VIP system like LAFCU - http://www.lafcu.org/vip.html. I havent tried to apply yet since i have too many CC's now. will mostly likely to garden for a year or 2 for inquiries to drop off first. I have about 9-10 inquiris each bureau lol

These are my CC's from top(oldest)-bottom(newest)

US bank harley davidson secured 

Capitalone secured

Capitalone platinum - upgraded now to quicksilver

Merrick

Barclay Cashforward

Discover IT

Careone

Amazon store card

Walmart store card

I also had the DCU credit rebuild loan to get a mix on my credit report