Hello all. My BK will be one year post discharge in three days. Is this a milestone, or was the only significant event one year post filing?
Also, will Synchrony ever let me back in? They are the last issuer on my wishlist. I applied a few months ago and was denied (both Walmart and Amazon store versions, I shop both ALOT) but my TU was I think 613 at the time. It is at 631 now. My util is at 39% right now but that’s because my reports have not updated yet, it will be much lower in a couple weeks.
Thanks!
Can you list who you have burned
and what you have now? Age of Account / Account Issuer and Type / Limit / Balance / Ever Late?
# of inquiries per bureau and scores (and where did you get the scores)
Have you pulled a copy of your annual credit report and disputed incorrect data?
Have you been following the 24 months to 700 after bankrucpy thread?
@MyDataMyChoice wrote:Can you list who you have burned
***** Capital One, Comenity, Synchrony, Amex
and what you have now? Age of Account / Account Issuer and Type / Limit / Balance / Ever Late?
***** Everything in sig, limits between 750 and 2k each, all unsecured, no lates
# of inquiries per bureau and scores (and where did you get the scores)
***** Also in sig, all FICOs
Have you pulled a copy of your annual credit report and disputed incorrect data?
***** Everything is reporting accurately
Have you been following the 24 months to 700 after bankrucpy thread?
***** Not with the same cards but essentially on track, other than current utilization
@Guyatthebeach wrote:Congratulations on the one year anniversary!
For me i saw a 30 pt increase at the one year mark. If I remember correctly, I got back into Syncrony’s good graces with a Walmart card at month 13.
Hang in there you got this. You’re doing a great job.
Guyatthebeach
Thanks 
Maybe I'll wait til next month and try again. Hope I get a nice score bump like you did!