OMG
1/2018 Filed BK and score dropped in the 400’s
4/2018 Discharge
Took a while for collection to drop off and accounts to update to IIB
*student loan payment re-activated after discharge with some late marks in 2015, but been paying on time for the pass 4years
9/2018 got a secured installment loan from becu (no credit pulled)
11/2018 applied and got Credit one $300 limit (don’t remember my score)
Been checking my credit and all collections fell off and accounts updated to IIB and $0 balance
3/25 applied for QS (got a message that my application was in review), immediately tried for platinum and got instant Denial
Ex (632) TU (619) EQ (632) FICO
3/26 call the back door number to check my first application status and they said someone will contact me in 3-4 days ?
3/28 called on my lunch today transferred to a specialist who stated all they needed was a verification of the last 4 digit of my social (thought that was weird) gave it, then he said I will get my resolution in the next few days. Ugh
***called back 2 hrs later and was told I’ve been approved for $3000.
Im sooooooo happy right now I can’t even explain it. Im on track to getting my scores in the 700 so I can finally buy a house.
My original card with capital one before bankruptcy started out at $500 so honestly, I was looking for a $300 limit not $3000 I’m so grateful for the opportunity to have this second chance.
My scores are better now than they have been the pass 5 years. Bankruptcy is not an easy decision to move forward with… BUT DAM sure the BEST decision I’ve ever made for me and children.