I think you're in a pretty good spot now. Just garden what you have.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Scupra wrote:Hey everyone! I am now 1 year and 7 months post d/c! Have done almost everything I had planned. In July 2013 I got a car loan to help with mix of credit. Ended up waiting until 02/2014 to apply for a Barclays product, instantly approved for $3k limit on Arrival
I guess now I am justr trying to see if I should be doing anything else, or just aging my accounts and making on time payments?
- 10/2012 Cap1 opened at $500 ----> now $2,000
- 10/2012 NFCU secured opened at $500 ---> now unsecured and at $7,000
- 02/2013 NFCU opened at $1,000 ---> now at $8,500
- 07/2013 auto loan
- 12/2013 NFCU $15k NavChek
- 02/2014 Barclays Arrival $3,000
Any help, tips, or suggestions are welcome. Thank you to everyone who has helped me get here, and thank you to everyone that will help me get even further!
This has kind of turned into my running rebuild thread.. Not too much has changed recently. I am now 1 year 10 months post d/c and have built up my limits a little.
- 10/2012 Cap1 opened at $500 ----> now $2,000
- 10/2012 NFCU secured opened at $500 ---> now unsecured and at $7,000 ----> 08/2014 CLI to $14,000
- 02/2013 NFCU opened at $1,000 ---> now at $8,500 ----> 08/2014 CLI to $14,000
- 07/2013 auto loan
- 12/2013 NFCU $15k NavChek
- 02/2014 Barclays Arrival $3,000 ---> 08/2014 CLI to $6,000
Let some balances report on accident which took my scores down a bit. Only have 5% utilization on one card right now. Everything reports by 09/15/2014 and am hoping to come super close to the 700 mark. 700 by 10/2014 has been the goal since filing BK7 in 07/2012
Thank you to everyone on the boards who has helped and good luck to anyone starting or in the middle of building!
@Scupra wrote:
@Scupra wrote:Hey everyone! I am now 1 year and 7 months post d/c! Have done almost everything I had planned. In July 2013 I got a car loan to help with mix of credit. Ended up waiting until 02/2014 to apply for a Barclays product, instantly approved for $3k limit on Arrival
- 10/2012 Cap1 opened at $500 ----> now $2,000
- 10/2012 NFCU secured opened at $500 ---> now unsecured and at $7,000
- 02/2013 NFCU opened at $1,000 ---> now at $8,500
- 07/2013 auto loan
- 12/2013 NFCU $15k NavChek
- 02/2014 Barclays Arrival $3,000
Any help, tips, or suggestions are welcome. Thank you to everyone who has helped me get here, and thank you to everyone that will help me get even further!
This has kind of turned into my running rebuild thread.. Not too much has changed recently. I am now 1 year 10 months post d/c and have built up my limits a little.
- 10/2012 Cap1 opened at $500 ----> now $2,000
- 10/2012 NFCU secured opened at $500 ---> now unsecured and at $7,000 ----> 08/2014 CLI to $14,000
- 02/2013 NFCU opened at $1,000 ---> now at $8,500 ----> 08/2014 CLI to $14,000
- 07/2013 auto loan
- 12/2013 NFCU $15k NavChek
- 02/2014 Barclays Arrival $3,000 ---> 08/2014 CLI to $6,000
Let some balances report on accident which took my scores down a bit. Only have 5% utilization on one card right now. Everything reports by 09/15/2014 and am hoping to come super close to the 700 mark. 700 by 10/2014 has been the goal since filing BK7 in 07/2012
Thank you to everyone on the boards who has helped and good luck to anyone starting or in the middle of building!
Just this month my Capital One card was increased from $2,000 to $5,000 by the executive office. Got an EQ score increase up to 692!!! Really hoping to hit the 700 on EQ at least, very happy with the 692 though! Next month will be 24 MONTHS POST DISCHARGE! Thanks to anyone and everyone on the boards who has helped me or encouraged me. Good luck everyone, hard work and patience does pay off!