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Early success after bankruptcy

Valued Member

Early success after bankruptcy

Discharged in August everything reporting correctly.

Applied Discover Pre Approval
-2 weeks after discharge Discover It Approved with 300$ secured
-1 week later Ollo Rewards Platinum pre approval in mail Approved with $1000 CL
-Last night Target Red Card apped then got the 7-10 day message. I was sad, but this morning I recieved email that I was approved. After calling TD Bank they confirmed approval with $1000 CL

Done applying for a year going to the garden!!!

Im 3 and 0 ( no hard pulls wasted all cards were apped with less than 10 percent usage on other accounts.)
Message 1 of 5
Super Contributor

Re: Early success after bankruptcy

Nice. Thats how you do it! Congrats. Let the rebuild begin!

My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 5
Valued Member

Re: Early success after bankruptcy

May 2020 update


Jan 2020

Got preapproval for Cap One, I was surprised since I burned them for 5k and settled a suit outside court with them. (Long story)


applied approved $3000 CL platinum 


March 2020

Discover Graduated $300 deposit returned. $1500 CL increase CL $1800 now. Product transferred to IT cash back with revolving rewards


April 2020

Ollo auto CLI from 1000 - 1300


May 2020

Capital One upgrade to Quicksilver.


Still waiting on target to cli me. No new applications besides Cap One. Holding off for a decent Visa product to use at costco. 



Message 3 of 5
Valued Contributor

Re: Early success after bankruptcy

Congrats on the approvals and excellent progress!!

Message 4 of 5
Valued Member

Re: Early success after bankruptcy

Congrats on the great rebuild, and thanks for the progress update!

BK13 filed 2014, discharged Nov 2019
FICO 8 Dec 2019: EX 584, EQ 580, TU 529
FICO 8 Jan 2020: EX 681, EQ 708, TU 670 (updated, reporting correctly)
FICO 8 May 2020: EX 701, EQ 714, TU 688
Petal 11/2019 SL: 3,500
Cap1 QS 01/2020 SL: 7,000
AMEX BCE 5/2020 SL: 12,000
Message 5 of 5
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