11 months after discharge...

[Anonymous]

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...

[Scupra]

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@Anonymous 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...

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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!

[TXinandout]

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@Scupra wrote:

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@Anonymous 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!

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+1

[Anonymous]

Nice job!! 

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

Did you recon Barclays or Chase? 

[Anonymous]

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@Scupra wrote:

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@Anonymous 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!

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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. 

[Anonymous]

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@Justagirl73 wrote:

Nice job!! 

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

Did you recon Barclays or Chase? 

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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. 

[Anonymous]

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@Anonymous wrote:

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@Scupra wrote:

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@Anonymous 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!

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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. 

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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.