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Rebuilding

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diphendrix
Established Member

Rebuilding

Hey all, new to the forum!  Thought I would post and be active on my road to rebuilding a nice credit score.

 

Filed for chapter 7 in November 2013.

Discharged February 2014.

Approved for a Cap 1 Auto-Loan April 2014 for $26k. Smiley Happy

Approved for Cap 1 Classic Platinum Unsecured card $300CL June 2014. Smiley Happy

Approved for Cap 1 Quicksilver Rewards Cash Back card $300CL June 2014. Smiley Happy

DENIED Barclays Apple Card June 2014. Smiley Mad

 

After being denied by barclays, i stopped applying for cards.  I was hesitant on even doing the Cap 1 cards, but i figured it was time to atleast make an attempt.

 

I would have loved the Barclays as well, wonder why i was denied after seeing some people get approved in the same score vecinity.

 

Any suggestions, advice, comments or anything at all would be appreciated.  Thanks everyone.

 

My current score according to Cap 1 credit tracker: 586

 

Short term goal: 600

Long term goal: 700+

BK7 Discharge: Feb 2014 Starting Score: 579 Current FICO Score: 656

Goal Score: 660 short | 800+ long Goals Hit: 2 Active Cards: 6

Gardening Since: June 2014 Garden Goal: December 2014

Wish List: Chase Slate | Chase Disney | Discover IT | Barclays NFL Sig
CapOne QuicksilverOne : CL: $300CapOne Classic Platinum : CL: $300CapOne Sony : CL: $500J Crew : CL: $450Express NextVS Angel


Message 1 of 3
2 REPLIES 2
xaiduz114
Regular Contributor

Re: Rebuilding


@diphendrix wrote:

Hey all, new to the forum!  Thought I would post and be active on my road to rebuilding a nice credit score.

 

Filed for chapter 7 in November 2013.

Discharged February 2014.

Approved for a Cap 1 Auto-Loan April 2014 for $26k. Smiley Happy

Approved for Cap 1 Classic Platinum Unsecured card $300CL June 2014. Smiley Happy

Approved for Cap 1 Quicksilver Rewards Cash Back card $300CL June 2014. Smiley Happy

DENIED Barclays Apple Card June 2014. Smiley Mad

 

After being denied by barclays, i stopped applying for cards.  I was hesitant on even doing the Cap 1 cards, but i figured it was time to atleast make an attempt.

 

I would have loved the Barclays as well, wonder why i was denied after seeing some people get approved in the same score vecinity.

 

Any suggestions, advice, comments or anything at all would be appreciated.  Thanks everyone.

 

My current score according to Cap 1 credit tracker: 586

 

Short term goal: 600

Long term goal: 700+


Maybe try recon with Barclay's? There are backdoor numbers here. Some CC companies will automatically deny you if you have a BK <36 months, or a judgement <36 months. At least I've heard that, and seen that a CC or two state that on their website.

 

Click on that link and scroll down to Barclay's, try the Credit Analyst number. Maybe after talking to them you can explain your situation and get an approval without wasting the HP you received when you were denied. Smiley Happy Can't guarantee it, though. But it's worth a shot!

 

Other than that, I would garden what you have, paying on time every month, in full, and keep util <10%. I'm not an expert on CC stuff, but I've learned a lot from reading the forum. lol. OThers might have a better idea for you. Smiley Happy Good luck!

Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014
Current Score: EQ 475 | EX 582 | TU 589
Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey!
Collections (MED): DCS Financial (4) | Columbia Collectors (1) |
Dynamic Collectors, Inc (2) | Professional Credit Services (2) |
CMRE Financial Services (1) | Total: 10
Charge-offs: IQCU (1)
Cards I'm aiming to get:
Unitus Community CU SecuredBofA Secured
Message 2 of 3
diphendrix
Established Member

Re: Rebuilding

thanks for the reply!!!! i will definitely do that!!

BK7 Discharge: Feb 2014 Starting Score: 579 Current FICO Score: 656

Goal Score: 660 short | 800+ long Goals Hit: 2 Active Cards: 6

Gardening Since: June 2014 Garden Goal: December 2014

Wish List: Chase Slate | Chase Disney | Discover IT | Barclays NFL Sig
CapOne QuicksilverOne : CL: $300CapOne Classic Platinum : CL: $300CapOne Sony : CL: $500J Crew : CL: $450Express NextVS Angel


Message 3 of 3
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