Last payment of 60 month Chapter 13 was October of 2015 and the discharge order was 26 Jan 2016. Every bank and card issuer was included in my BK. When I filed all of my accounts except my car and house were 12 months behind.
At the time of my discharge my scores were between 650 and 660. Most of the baddies were already off my credit reports. I had to dispute 2 collection agencies and they were removed. 2 Comenity store cards had zero balance when i filed and survived the BK they were both opened in 2007. I didnt know they survived until I started rebuild. Ihad my mortgage since 2003 and car loan since 2005. There were also old accounts that had been pif before the financial problems that were still reporting so my AAOA was around 9 years.
I had been reading these forums for a couple months. The first week in February I got a secured credit card from my credit union(First Tech) and opened an account at SDFCU and got a secured card from them. No pre approved offers from Cap 1 so I applied and was approved QS1 $500. Always paid FT adn SDFCU to zero before statement and let 10% report on QS1. Scores were increased 30ish points over the next 3 months.
April- QS1 cli request denied
May 2- I prequalifed on the Cap 1 Auto finance site and was approved for up to $40K bought a new Silverado WT for $20K at 2.8%. My scores increased to low 700's when the auto loan started reporting.
QS1 cli request $500 granted now $1000
July - QS1 credit steps $500 now $1500.
August-
Cold apped for Venture 1 - approved $10k.
With that approval I got confident and checked amex site no offers so I cold apped ED approved $1k. Amex wasnt burned in my BK but I defaulted on a green card in 1995.
I figured out how to make the SCT work - got SGV $2500, Wayfair $4500. Time to garden for 1 year.
Applied for unsecured credit card from both of my CU's- Both Denied so I closed both.
AAOA is dropping and scores are too- Scores are between 670-680
Sept- out of the garden already
Williams Sonoma store card SCT $3k
Nordstrom store card $2.5k
American Eagle store card $400 - in store hoping for visa
Banana Republic store card $400. online hoping for visa. Ok time to garden for 1 year.
October- out of the garden
USAA - signature visa $5k. Made USAA my primary bank.
Lots of Discover talk on the forum so I applied, approved $6.5k Ok time to garden for 1 year.
All scores took about a 10 point hit
Nov- tried amex 3x cli - denied
Jan 2017. read all of Baller for lIfe's Pen Fed thread and Wade Daltons 1 year Journey
I joined Pen Fed and was approved for Defender $16k
Apped BCE approved $2k
I never thought I wanted to go through the process of joining NFCU but thought what the heck do it now so I did. It took 8 days- app went pending then had to send dox to BSA. Approved on 31 Jan. immediately applied for GoRewards $1k- I was actually suprised at this approval. Time to garden for Real.
Scores are in the 670 range now and none of the Jan approvals have reported so I dont know how they will affect my scores. I'm expecting about a 10 point drop.
Inq are now at TU 10 , EQ 11, EXP 14,
AAOA is 1 year 9 months
Thanks to everybody who posts along with data points. For the most part I only applied for cards that were well documented by everybody on the forum. I was able to compare my profile and the approval datapoints to make a good guess.
12/27/16 - Eq683 TU666 Ex681 04/05/17 Eq742 TU763 Ex757