3 months post ch13 bk discharge all 3 fico 8 scores over 700

[busdoctor]

I just wanted to post this to show others either in or who have recently completed ch 13 BKs there is a light at the end of the tunnel. I filed in Feb of 19 and received my discharge in Mar of 24. Today 3 months after discharge and here are my fico 8 scores as of today. EQ 725. TU 717 EX 709

7k in available credit under 1 uti with a secured loan of 17.5k. Rebuild is going well, I was humbled last week by a NFCU credit card DENIAL. I will be working on my relationship with NFCU being there not super credit score driven. Apparently it's all about the relationship. 

[FireMedic1]

Welcome @busdoctor 

Congrats so far. Long as NFCU wasnt in your BK. Took me a couple yrs to join and get approved. If they were part of your BK. Pay them off.Better chance then.

[Horseshoez]

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@busdoctor wrote:

I just wanted to post this to show others either in or who have recently completed ch 13 BKs there is a light at the end of the tunnel. I filed in Feb of 19 and received my discharge in Mar of 24. Today 3 months after discharge and here are my fico 8 scores as of today. EQ 725. TU 717 EX 709

7k in available credit under 1 uti with a secured loan of 17.5k. Rebuild is going well, I was humbled last week by a NFCU credit card DENIAL. I will be working on my relationship with NFCU being there not super credit score driven. Apparently it's all about the relationship. 

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Congratulations on your discharge!

Regarding your NFCU denial, did you apply for their secured nRewards card or a different card?  In my case I waited to join NFCU until after my bankruptcy fell off my reports, and when I applied for their More Rewards card I was shocked at the $30,000 starting limit.