Finally! 3 years out.

[tammyjk]

Immediately after BK was discharged I got a secured Discover for only 200. Then it graduated to 500.  I asked for 1k and that was granted.  My Wayfair card bit the dust when they ended them but eventually I got the Citi Wayfair card for 2500.  Next was Home Depot for 1k and Target.   Not even 3 years out and today Navy Fed CU approved me for 20k.  I've had some high interest/ yearly fee small cards which I am now beginning to close out.  I haven't even been with Navy Fed for 6 mos!  

[AllZero]

Congratulations on your success! Good luck on your credit journey.

[tammyjk]

Thanks!  Like everyone else I wished I had just bit the bullet and filed bk earlier and saved myself a lot of sleepless nights. 

[Papa_Bear]

Congratulations!

[babygirl1256]

@tammyjk Congrats on your NFCU approval and monster SL.

[chalupaman]

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@tammyjk wrote:

Thanks!  Like everyone else I wished I had just bit the bullet and filed bk earlier and saved myself a lot of sleepless nights. 

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You and me both. I feel exactly the same way. My current lineup of cards in terms of overall limits and balance is so much better than what I had before BK and believe me, I used to have some pretty high limit cards, but was plagued with too many new accounts, and eventually the balances just kept accumulating in a downward financial spiral. 

 Even my FICOS from back then never moved beyond the low 700s and it was because I really didn't know what I was doing back then or really had that strong foundation correct. Congrats on the NFCU approval too! They are amazing. 

[tammyjk]

Thanks.  Now I'm moving to get rid of some of the high interest rate cards.  I belong to two credit unions and one gave me a personal line of credit for 1k and a 1k credit card with 0% interest for 18 mos.  After that it will be 9.5%.  The NFCU is 0% for 12 mos and then 12%.  I don't want too much available credit hanging out there either.  My husband told me "don't you dare close the Home Depot".  LOL.  

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[babygirl1256]

@tammyjk Just take it slow in rebuilding -and- manage the cards accordingly . . . I track mine on an Excel spreadsheet lick clockwork and it keeps me within my set budget . . . since I am retired and starting a business!!!

[Total80sKid]

Congrats on your success, NFCU approval and great SL!

[tammyjk]

Most of my  cards have a 0 balance and I really do need a spreadsheet.  I'm looking at closing some of the high interest rate cards and transferring balances.  I recently closed one and was waiting to see if I took a hit on my credit score.  That was a couple of months ago and no hit so far.  I would like to get down to a few cards that I use often.  I have about 1k on all of them combined so it's not a lot.