Hello, sorry for the delayed responce. So first the cap 1 auto, that i started with the navigator to get, and ended up being the best by far in terms, is 10.47% which isnt great, but the dealer really worked with me and took almost 2k off the price to hit my payment. I have also done some cleaning up on my credit, with the 2 recent cards i am hopeing to recoop the loss of about 5 points in inquires. I closed Credit one, as i never use it, the AF is pointless, and they limit has barely budged in the last year. They didnt argue much about closing, did offer 200 in CLI and a $15 account credit, but i still closed it. It felt good it serbed its purpose but i am past that point. So here is where i am at...
Kohls 200 AU, survived BK so its the oldest card
Cathrines AU 3000 survived BK so is almost as old as Kohls
Credit one CLOSED!
Ollo 2400 post BK
QS 3500 about 9 months old
Saver new 1000
NFCU rewards 7500 newest
NFCU cloc 500
NFCU savings loan paid off since i have the car for loan purpose now
self will be paid off in dec/jan depending on when i pay it off 500 first loan post BK
I was going to keep the NFCU loan for loan reasons, but then had to get a new vehicle, so thats why i paid it off. Self wont be around once i apply for FHA in Feb at the 2 yr post BK mark.
Also removed myself from 2 "newish" cards as an AU to reduce "new" accounts
TU has 20 inquires, EQ and EX have more like 7 not sure any will fall off prior to FHA
CK says TU 700 EQ 703 i know My fico was more in the 680-695 ranges with EX being like a 645 for some reason. Few late payments reporting in BK, as when i filed i was told to stop paying bbut 100% on time since. UTI is 0% with only a small balance, under $20 on one card. Going in the garden for now... planning a spree after i get a house, only getting cards i can use. Thinking Lowes for the house, and i know they give really useful limits. Amazon, just because its amazon lol prefer the store for finance options maybe another NFCU maybeamex? dont travel so travel is not worth it, maybe plat just to have a low rate for any balance i may need to carry in the future not sure on that one. Would like care credit back but burned in BK, along with Lowes getting taken with a 0 bal in bk so dont know if they will come back. Discover pre approvel says i have 2 offers, even burned them in BK also. And maybe best buy, again for financing option dont shop there alot but could come in handy at times. Figure once i have the keys to the house, ap spree and then garden for a while , of course also throw in cli requests and try to bump up cloc. Middle mortgage score recently was 688 prior to changes so hope it wont get too effected. Plan on paying off the vehicle asap, and getting "good" credit, and save a down for a nice vehicle with 0 rate so i can eventually have a house and a paid off car that doesnt need worked on all the time. I will post an update later this year, and document my FHA journey. Thanks to the boards for all the info, i think my credit is almost better then it has ever been even prior to BK!
