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Building after Bk7

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poodlelover2018
New Member

Building after Bk7

Hi there. I am new to writing on here, but far from new in reading everyone's progress and success. I filed Bk 7 May/2019 and discharged August/2019... obtained first CC with Mission Lane $500 CL, Ollo $300 CL, Kay's (Genesis) $3,000 CL, and Credit 1 $500 CL. I have a balance I carry on Kay's, but everyone else I PIF every month. Is this the best route to take? FICOs 618eq 610Tu 624exp

No auto loans. Small student loans. 

I started with low to mid 500's after discharge. Just joined NFCU and hoping to get in good graces with them via their cards. 

4 REPLIES 4
Mjhall85
Frequent Contributor

Re: Building after Bk7

3 credit cards and a installment loan makes optimal scoring happen. So I would say you are on the right track. If possible keep the balance on the other card beneath 8.9% Then just garden away for a bit not sure when last apps were but navy federal is a great in.  I just got the secured card with them as it graduates and I can build my relationship with them again.I wish you luck on your rebuild, it's a marathon not a sprint.

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 2 of 5
Beilin
Established Member

Re: Building after Bk7

@poodlelover2018 

Welcome to the forums! Get the secured card with NFCU to establish a relationship. I filed and was discharged the same time as you last year. Good luck on you rebuild journey!

Filed bk7 05/19
Discharged 08/19

Starting FICO8 Scores 05/19:
EX 462 EQ 474 TU 495
Current Scores FICO8 07/20:
EX 651 EQ 672 TU 659
Message 3 of 5
FireMedic1
Community Leader
Mega Contributor

Re: Building after Bk7

Your far out enough now to give Disco a pre-qual check too. If they werent burned. Good luck on NFCU.


Message 4 of 5
poodlelover2018
New Member

Re: Building after Bk7

Thank you all. Will garden and see what happens. 

Message 5 of 5
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