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8 Months post Discharge

AJR1
Contributor

8 Months post Discharge

Scores 6/22/18

Equifax - 503

Transunion - 483

Experian -526

Scores 6/22/19

Equifax - 667

Transunion - 670

Experian - 670

I have the following

I had to rework my cars to get back to reporting

Both with Capital One 8.4 %

Kohls -700 CL  0 Balance

Boscov's - 2100 CL 0 Balance

Care Credit - 4000 CL 100 Balance

Overstock - 2000 CL 0 Balance

Victoria Secret - 750 CL 0 Balance

Big Lots - 750 CL 0 Balance

Capital Qiuck Silver - 1500 CL 450 Balance

Capital One Platinum - 3000 CL 440 Balance

 

My question is I travel for work - I need a gas card - Any suggestions on one - I'll pay as I use(Get paid monthly)

 

Message 1 of 7
6 REPLIES 6
pizza1
Community Leader
Super Contributor

Re: 8 Months post Discharge

Have you checked the Discover prequal?

Depending which gas stations are in your areas of travel, you might look into a gas station card like Shell, Phillps 66/Conoco 76 etc...

Is there a Sams in your travel route? Applying for their CC is also a possibility.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 2 of 7
AJR1
Contributor

Re: 8 Months post Discharge

No Sams - Have Costco or BJ's

What banks do the gas companies use - Do they have pre qualify

 

Thanks

Message 3 of 7
AJR1
Contributor

Re: 8 Months post Discharge

On another note

I applied for PennFed - Opened a checking account with deposit - Where do I go from here with them - I applied for the credit card got denied for my bankruptcy

 

Thanks

Message 4 of 7
FiresOut
Super Contributor

Re: 8 Months post Discharge


@AJR1 wrote:

Scores 6/22/18 Where do you get your scores?

Equifax - 503

Transunion - 483

Experian -526

Scores 6/22/19 Date correction please.

Equifax - 667

Transunion - 670

Experian - 670

I have the following

I had to rework my cars to get back to reporting (explain please)

Both with Capital One 8.4 %

Kohls -700 CL  0 Balance

Boscov's - 2100 CL 0 Balance

Care Credit - 4000 CL 100 Balance

Overstock - 2000 CL 0 Balance

Victoria Secret - 750 CL 0 Balance

Big Lots - 750 CL 0 Balance

Capital Qiuck Silver - 1500 CL 450 Balance

Capital One Platinum - 3000 CL 440 Balance

 

My question is I travel for work - I need a gas card - Any suggestions on one - I'll pay as I use(Get paid monthly)

 


Like Pizza said you could try Disco pre-qual. Also if you could get to AZEO before applying your scores would go up really good. Most gas cards are Sync. And when was your DC? We'll go from there after you make some typo corrections.

Message 5 of 7
AJR1
Contributor

Re: 8 Months post Discharge

Thank You 

Will follow - How do I do a 'Disco"

Discharge Date 6/22/2018(Those were the scores on 6/22/2018)

Scores After are from 2/25/2019 - FICO I pay for the report

Equifax - 667

Transunion - 670

Experian - 670

My Cars were leased and new got them  before  the bankruptcy - I was able to refinance them thru Capital One and get them to report to the credit bureus

Message 6 of 7
FiresOut
Super Contributor

Re: 8 Months post Discharge


@AJR1 wrote:

Thank You 

Will follow - How do I do a 'Disco"

Discharge Date 6/22/2018(Those were the scores on 6/22/2018)

Scores After are from 2/25/2019 - FICO I pay for the report

Equifax - 667

Transunion - 670

Experian - 670

My Cars were leased and new got them  before  the bankruptcy - I was able to refinance them thru Capital One and get them to report to the credit bureus


Disco prequal link: https://www.discovercard.com/application/prequal

Pretty solid if you see a set APR rate.

Message 7 of 7
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