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Hello:
My Chapter 7 BK was dischared 09-2019. I am now making 7x the money I was making and have learned many lessons from the mistakes I made. I have learned alot from the forum but I have taken a slightly different approach to my rebuild. I started rebuilding before it was offically discharged. I have a bunch of inquires and have produced great results in the This is my results in the 2 years, 6 months and 20 days since the discharge.
1 Pending 650k Mortatge Loan (House will be done building Aug 2022)
$99,387 Total Credit Lines
$104,570 3 Auto Loans
Upgrade - $15,000
IKEA - $15,000
Venmo - $9,300
Apple - $8,500
Crate & Barel - $7,000
Venture - $6,000
Cadillac - $5,000
Ollo - $4,500
Kay - $4,200
Wal-Greeens - $4,000
Quick Silver - $3,200
RC Willy - $3,000
Discount Tire - $2,500
Surge - $2,400
Old Navy - $2,000
Credit One - $1,850
Aspire - $1,500
Wal-Mart - $1,400
Childrens Place - $1,150
Lowes - $1,037
Chevron - $500
Victoria's Secret - $350
@CostantinoA wrote:Hello:
My Chapter 7 BK was dischared 09-2019. I am now making 7x the money I was making and have learned many lessons from the mistakes I made. I have learned alot from the forum but I have taken a slightly different approach to my rebuild. I started rebuilding before it was offically discharged. I have a bunch of inquires and have produced great results in the This is my results in the 2 years, 6 months and 20 days since the discharge.
1 Pending 650k Mortatge Loan (House will be done building Aug 2022)
$99,387 Total Credit Lines
$104,570 3 Auto Loans
Upgrade - $15,000
IKEA - $15,000
Venmo - $9,300
Apple - $8,500
Crate & Barel - $7,000
Venture - $6,000
Cadillac - $5,000
Ollo - $4,500
Kay - $4,200
Wal-Greeens - $4,000
Quick Silver - $3,200
RC Willy - $3,000
Discount Tire - $2,500
Surge - $2,400
Old Navy - $2,000
Credit One - $1,850
Aspire - $1,500
Wal-Mart - $1,400
Childrens Place - $1,150
Lowes - $1,037
Chevron - $500
Victoria's Secret - $350
Wow, a 650k house and 3 cars! Honestly if I were to rebuild again getting all those cards are not necessary. If one picks their credit cards wisely it can be done without umpteen inquiries. But kudos on making so much money and rebuilding
Nice. Ton of store cards. 22 accounts in 3 yrs. Wow! Hope your util is low. Good luck on the home approval.
My utilization is 2%. The home loan is already approved. Just waiting for the builder to finish construction. DTI is 30%. FHA loan. I will refiance after 4 year waiting period for BK to conventional.