what an incredible difference 1 yr makes! seriously this is nuts.
We dischaged in September last year
Post BK Scores
496 - eq 490 - tu 510 - ex
Opened a secured credit card with NFCU
Opened a secured credit builder loan with NFCU
2 unsecured credit cards
1 store card
Scores as of this AM
634 - eq 623 - tu 672 - ex
Looks like EQ and TU are behind reporting a major account change which EX bumped me by 50 points! (closed my NFCU secured loan no idea why that bumped me so high but... it did!)
So the question is, I have applied for and been turned down for a few different unsecured cards (cap one were still black listed till next month at the earliest), Barclay said no, discover said i was pre-approved then shot me down, and we tried for an NFCU unsecured card months ago.
I am considering applying for an un secured NFCU card... should I?