Thanks for all the info guys. FYI it isn’t impossible for Cap 1 to get burned, it’s a $49 deposit for a $200 credit limit.
In regards to credit scores, were doing pretty swell straight out of discharge. All I have are Equifax FICOS, but I’m sitting at a 573 with my mortgage still showing 60 days past due, they should be changing it to IIB and deleting the pay history my CU told me which should jump me a hefty amount as it did on my wife’s Equifax. My wife’s Equifax is sitting at a 621 FICO. We were late filing so most of our stuff charged off 2-3 years ago which I believe helped out.
Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?
