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15 months POST BK and NFCU CLI finally!

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kobe2012
Established Contributor

15 months POST BK and NFCU CLI finally!

DISCHARGED 12/2015

Current card list:

 

01/2016: Credit One - SL $300, increased to $450 after 6 months (closed on 12/2016 due to annual fee)

05/2016: Merrick Bank - SL $600, increased to $1200 on 12/2016

05/2016: Milestone - SL $300 (will close in May due to AF)

06/2016: Cabelas visa - SL $1000

07/2016: NFCU cash: SL $500, increased to $6200!!!!!! recently 03/05/2016 (25+ inquiries on EQ)

08/2016: Overstock store card: SL $250, currently sitting @$850 with the monthly increases

08/2016: JCrew store card: SL $250, currently sitting @$850

09/2016: Express store card: SL $250, sitting @$650

10/2016: Capital one Platinum, upgraded to QS after getting the card : SL $1000 (burned during BK for $7000)

12/2016: Amazon synchrony: SL $800 (burned during BK for $1400)

12/2016: Paypal Mastercard: SL $300

02/2017: Walmart Store: SL $900 (burned during BK for $8000)

 

I burned synchrony for a total of $18000 but i was able to get back in!

Don't lose hope folks, theres always a life after BK!!!

 

 


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 1 of 13
12 REPLIES 12
KJT
Contributor

Re: 15 months POST BK and NFCU CLI finally!

Awesome job!!! The race isn't given to the swift. It can be a very frustrating process.  

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 750/812 EX 722/742 TU 725/715 AMEX BCE $20K, Delta AMEX $10k, AMEX Everyday $5K, AMEX Gold NPSL, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $9K, BOA Unlimited Custom Cash Visa $5K, BOA Travel Rewards Visa $5K, BBT Travel Reward Visa $7.5K, BBT Brightstar Visa $7.5K, Target $5k, Banana Republic $7k, CITI Custom Cash $3K, NFCU eSignature Visa $40k, NFCU CLOC $15k, NFCU AMEX Rewards $25k, NFCU Classic Visa Signature Flagship Reward $15k, Comendity NFL $25.4k, PayPal $10k, Capital 1 Wal-Mart $7k, Amazon Prime $10k, CITI-Double Cash $3k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; Raymour $5.3, USAA AMEX Reward $14.5K, USSA Visa Reward $9.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $346K.
Message 2 of 13
TXinandout
Frequent Contributor

Re: 15 months POST BK and NFCU CLI finally!

Now lets get ready for September's new round! Man Happy

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 3 of 13
Anonymous
Not applicable

Re: 15 months POST BK and NFCU CLI finally!

Congrats Kobe. Keep on keepin' on!

Message 4 of 13
Anonymous
Not applicable

Re: 15 months POST BK and NFCU CLI finally!

Congratz on your Achievements & Success!

.

Message 5 of 13
catienza15
Established Member

Re: 15 months POST BK and NFCU CLI finally!

Congrats! I'm still in the process of rebuilding with my credit one card. Hopefully I can get better cards soon. Goodluck!

http://s1279.photobucket.com/user/jatienza15/library/?sort=3&page=1
Message 6 of 13
kobe2012
Established Contributor

Re: 15 months POST BK and NFCU CLI finally!

thanks everyone!!! i know It's a lot of cards in one year but I will be closing the ones with AF, like the merrick and milestone. The comenity cards I haven't used and it's reporting as $250 limit on my reports even though they have increased. I don't wanna just use it because I want the new limit to report.. any advise?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 7 of 13
TXinandout
Frequent Contributor

Re: 15 months POST BK and NFCU CLI finally!

The only way for them to report is to let the balance cut with some $. I have used it and pay everything but $1, sure enough it reported. The overstock card limit for me is overstock at $250 LOL,


@kobe2012 wrote:

thanks everyone!!! i know It's a lot of cards in one year but I will be closing the ones with AF, like the merrick and milestone. The comenity cards I haven't used and it's reporting as $250 limit on my reports even though they have increased. I don't wanna just use it because I want the new limit to report.. any advise?



and they won't give me a CLI. IF they don't by next month, then I will close it.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 8 of 13
Kaydee84
New Contributor

Re: 15 months POST BK and NFCU CLI finally!

Great job! If you don't mind me asking, did you start with an NFCU secured card?

Message 9 of 13
kobe2012
Established Contributor

Re: 15 months POST BK and NFCU CLI finally!

Thanks! They approved me for unsecured . Was one of the lucky ones

Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 10 of 13
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