What's your definition of decent?
Not to rain on your parade or anything but with scores in that range and accounts in collection I'd be surprised if you got a rate lower than 10%...
I can tell you that when I came out of BK13 a couple years ago the best rate I could get was 8.99% and I didn't have anything in collection and no debt. My scores were 630-640.
FICO8 current as of :
10-20-25 EQ:
736 TU:
728 EX:
722Hard INQs last 12 months: EQ:
0 | TU:
0 | EX:
0Verizon Visa
$8500 Amex Delta Reserve
$10,000 Care Credit
$18,000NFCU CashRewards
$7500 Apple Card
$7000 Best Buy
$8000 Amazon
$5000NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray)
6.95%NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome)
9.45%Total CL:
$64,000 --- Total CC UTI:
31% --- AAoA:
6.5 years --- Income:
$200kLast app:
4-6-24
