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Credit Score Still low after being discharged 1 year

Scupra
Super Contributor

Re: Credit Score Still low after being discharged 1 year


@AutumnH wrote:

Finally!!! I got approved for a credit one card! Maybe now I can start rebuilding!! Yayyyy!! 

 

I had to dispute a lot of stuff they had a lot of my accounts as charged off instead of being discharged!


Wooooooo! Congrats on finally getting a card. Now let the rebuilding begin Smiley Happy

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 11 of 16
Glenoldon
Contributor

Re: Credit Score Still low after being discharged 1 year

Check to see if you have a prequal offer from capital one if you didnt include them . Dont forget to get rid of that card once it serves its purpose . Congrats on starting your rebuild!

Filed BK 8/2015 Discharged 12/2015
QS AU$1300 QS1 AU $1100 QS $1300 QS $600 Spark Business $1500.. DiscoverIt Secured $300..FingerHut FreshStart $130 Graduated $200, Victoria $250 NewYork&Co $250 CFNA $1000
Message 12 of 16
AutumnH
New Contributor

Re: Credit Score Still low after being discharged 1 year

I included my capital one card in bankruptcy so I doubt if I can get an approval from them. Smiley Sad

Chapter 7 Discharged June 2015



Trying to rebuild
Message 13 of 16
AutumnH
New Contributor

Re: Credit Score Still low after being discharged 1 year

When you say get rid of...what do you mean? Cancel it or stop using it?

Chapter 7 Discharged June 2015



Trying to rebuild
Message 14 of 16
Scupra
Super Contributor

Re: Credit Score Still low after being discharged 1 year


@AutumnH wrote:

I included my capital one card in bankruptcy so I doubt if I can get an approval from them. Smiley Sad


Still check the pre-qual. It's a SP so it won't hurt. Plenty of people are able to get back in with Cap1

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 15 of 16
Scupra
Super Contributor

Re: Credit Score Still low after being discharged 1 year


@AutumnH wrote:

When you say get rid of...what do you mean? Cancel it or stop using it?


Hopefully you are able to obtain some unsecured cards before the annual fee hits. That way you can close the credit one card and not pay an AF.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 16 of 16
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