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11 months after discharge...

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11 months after discharge...

So far so good. One month away from a year anniversary from discharge. Didn't take much care or paid attention to credit before bankruptcy, but is very conscious now of it. I've become a little obsessed with it. Irritated at times, but I've learned to to be patient. Here's a summary so far...

 

My highest credit score is showing 670. 

Got a car loan from Wells Fargo about a month after discharge.  ~$15,000  16% apr

Secured Capital One Platinum at $200 ($49 deposit) about 2 months after discharge, now at $500.

Capital One Platinum at $500, 4 months after discharge, now a Capital One Quicksilver at $1100.

Amazon Prime Store Card at $1000, 7 months after discharge.

Discover It Card at $1600, 7 months after discharge. 

Walmart Store Card at $700, 8 months after discharge. 

Merrick Bank Visa at $900, 9 months after discharge. 

Credit One at $500, 10 months after discharge. (haven't activated; may cancel it)

 

Capital One has been the most helpful in giving me a chance & building my score.

 

Barcalays: Denied

Chase: Denied

Walmart: Deined once.

 

The key is keeping keeping all payments on time, paying more than the minimum due, & keeping the utilization under 30%. Right now I have them at 0%.

Next goal on to 700+ score and preparing to buy a house...

 

 

Message 1 of 7
6 REPLIES 6
Super Contributor

Re: 11 months after discharge...


@Chemtech7 wrote:

So far so good. One month away from a year anniversary from discharge. Didn't take much care or paid attention to credit before bankruptcy, but is very conscious now of it. I've become a little obsessed with it. Irritated at times, but I've learned to to be patient. Here's a summary so far...

 

My highest credit score is showing 670. 

Got a car loan from Wells Fargo about a month after discharge.  ~$15,000  16% apr

Secured Capital One Platinum at $200 ($49 deposit) about 2 months after discharge, now at $500.

Capital One Platinum at $500, 4 months after discharge, now a Capital One Quicksilver at $1100.

Amazon Prime Store Card at $1000, 7 months after discharge.

Discover It Card at $1600, 7 months after discharge. 

Walmart Store Card at $700, 8 months after discharge. 

Merrick Bank Visa at $900, 9 months after discharge. 

Credit One at $500, 10 months after discharge. (haven't activated; may cancel it)

 

Capital One has been the most helpful in giving me a chance & building my score.

 

Barcalays: Denied

Chase: Denied

Walmart: Deined once.

 

The key is keeping keeping all payments on time, paying more than the minimum due, & keeping the utilization under 30%. Right now I have them at 0%.

Next goal on to 700+ score and preparing to buy a house...

 

 


You have done some amazing work in one year! You say all cards are at 0%, I just want to make sure you know to leave one reporting a very small balance. 0% util on all cards actually hurts you. Keep up the great work, next milestone 700 FICO!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$25k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 2 of 7
Frequent Contributor

Re: 11 months after discharge...


@Scupra wrote:

@Chemtech7 wrote:

So far so good. One month away from a year anniversary from discharge. Didn't take much care or paid attention to credit before bankruptcy, but is very conscious now of it. I've become a little obsessed with it. Irritated at times, but I've learned to to be patient. Here's a summary so far...

 

My highest credit score is showing 670. 

Got a car loan from Wells Fargo about a month after discharge.  ~$15,000  16% apr

Secured Capital One Platinum at $200 ($49 deposit) about 2 months after discharge, now at $500.

Capital One Platinum at $500, 4 months after discharge, now a Capital One Quicksilver at $1100.

Amazon Prime Store Card at $1000, 7 months after discharge.

Discover It Card at $1600, 7 months after discharge. 

Walmart Store Card at $700, 8 months after discharge. 

Merrick Bank Visa at $900, 9 months after discharge. 

Credit One at $500, 10 months after discharge. (haven't activated; may cancel it)

 

Capital One has been the most helpful in giving me a chance & building my score.

 

Barcalays: Denied

Chase: Denied

Walmart: Deined once.

 

The key is keeping keeping all payments on time, paying more than the minimum due, & keeping the utilization under 30%. Right now I have them at 0%.

Next goal on to 700+ score and preparing to buy a house...

 

 


You have done some amazing work in one year! You say all cards are at 0%, I just want to make sure you know to leave one reporting a very small balance. 0% util on all cards actually hurts you. Keep up the great work, next milestone 700 FICO!


+1

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 3 of 7
Community Leader
Senior Contributor

Re: 11 months after discharge...

Nice job!! 

 

I would close Credit One, you don't need it at this stage. 

 

Did you recon Barclays or Chase? 

Got some pruning to do... No more new cards!
Message 4 of 7
Member

Re: 11 months after discharge...

 


@Scupra wrote:

@Chemtech7 wrote:

So far so good. One month away from a year anniversary from discharge. Didn't take much care or paid attention to credit before bankruptcy, but is very conscious now of it. I've become a little obsessed with it. Irritated at times, but I've learned to to be patient. Here's a summary so far...

 

My highest credit score is showing 670. 

Got a car loan from Wells Fargo about a month after discharge.  ~$15,000  16% apr

Secured Capital One Platinum at $200 ($49 deposit) about 2 months after discharge, now at $500.

Capital One Platinum at $500, 4 months after discharge, now a Capital One Quicksilver at $1100.

Amazon Prime Store Card at $1000, 7 months after discharge.

Discover It Card at $1600, 7 months after discharge. 

Walmart Store Card at $700, 8 months after discharge. 

Merrick Bank Visa at $900, 9 months after discharge. 

Credit One at $500, 10 months after discharge. (haven't activated; may cancel it)

 

Capital One has been the most helpful in giving me a chance & building my score.

 

Barcalays: Denied

Chase: Denied

Walmart: Deined once.

 

The key is keeping keeping all payments on time, paying more than the minimum due, & keeping the utilization under 30%. Right now I have them at 0%.

Next goal on to 700+ score and preparing to buy a house...

 

 


You have done some amazing work in one year! You say all cards are at 0%, I just want to make sure you know to leave one reporting a very small balance. 0% util on all cards actually hurts you. Keep up the great work, next milestone 700 FICO!


Thanks, good info. I will keep a small balance on a few of them. I actually just paid them all down to 0 and is now waiting for them to report. 

Message 5 of 7
Member

Re: 11 months after discharge...


@Justagirl73 wrote:

Nice job!! 

 

I would close Credit One, you don't need it at this stage. 

 

Did you recon Barclays or Chase? 


Thanks. Yes, I have closed the Credit One.

 

I called Barclays and they wanted to see a few more months of credit history under my belt. 

I didn't call Chase because I thought I read here afterwards that they're not bankruptcy friendly. 

 

 

Message 6 of 7
Established Contributor

Re: 11 months after discharge...


@Chemtech7 wrote:

 


@Scupra wrote:

@Chemtech7 wrote:

So far so good. One month away from a year anniversary from discharge. Didn't take much care or paid attention to credit before bankruptcy, but is very conscious now of it. I've become a little obsessed with it. Irritated at times, but I've learned to to be patient. Here's a summary so far...

 

My highest credit score is showing 670. 

Got a car loan from Wells Fargo about a month after discharge.  ~$15,000  16% apr

Secured Capital One Platinum at $200 ($49 deposit) about 2 months after discharge, now at $500.

Capital One Platinum at $500, 4 months after discharge, now a Capital One Quicksilver at $1100.

Amazon Prime Store Card at $1000, 7 months after discharge.

Discover It Card at $1600, 7 months after discharge. 

Walmart Store Card at $700, 8 months after discharge. 

Merrick Bank Visa at $900, 9 months after discharge. 

Credit One at $500, 10 months after discharge. (haven't activated; may cancel it)

 

Capital One has been the most helpful in giving me a chance & building my score.

 

Barcalays: Denied

Chase: Denied

Walmart: Deined once.

 

The key is keeping keeping all payments on time, paying more than the minimum due, & keeping the utilization under 30%. Right now I have them at 0%.

Next goal on to 700+ score and preparing to buy a house...

 

 


You have done some amazing work in one year! You say all cards are at 0%, I just want to make sure you know to leave one reporting a very small balance. 0% util on all cards actually hurts you. Keep up the great work, next milestone 700 FICO!


Thanks, good info. I will keep a small balance on a few of them. I actually just paid them all down to 0 and is now waiting for them to report. 


He didn't say a few - he said one, as in singular, uno, by itself

 

This is very important, as while reporting a small (<9% of card limit) balance on one card will help you, you lose points if you have more than half of your cards reporting a balance.

 

Message 7 of 7
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