Community Leader
Valued Contributor
Posts: 2,441
Registered: ‎11-29-2012
Re: Score bump after discharge?
[ Edited ]

I'm going to NFCU the Saturday after I get my papers, and I'm on Pacer so I won't have to wait for them to arrive in the mail.  Wish me luck, I'm hoping that since my scores are now about (or very close to) 600 that they will let me have an unsecured card.  But I do have cash in hand if they want me to secure first.  Its about an hour's drive to the nearest branch, so I'm planning on Saturday.  I got a big score bump 2-3 weeks ago, but I'm being disciplined and not pulling my TU report and just waiting for the free update in March or wait until CK says the discharge has hit and then pull.  My fakos are TU 620, EX 592, Equifax 622.  The real scores, as I know them, are in my signature.


I was financed for a car two weeks after filing, so that's not an issue.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)