My BK7 was discharged in Nov '15, and I meant to post on the anniversary but didn't. At times I feel like my rebuild is going way too easily, with the cards and limits I've been able to get. But I hope providing a little detail can encourage someone out there.
My scores prior to BK were in the 730 range.
Per EQ in July '15, AAoA 7 years 1 month, Oldest account 23 years 4 months.
Burned in BK: Amex, BofA, Comenity, Citibank, Chase, DSNB, Synchrony, WFB.
I don't really know what my actual FICO scores were post BK until a little over 6 months after. I had FAKOs in the low 500's though, I do know that. After BK, I waited 6 months almost to the day to apply for new credit. (I didn't plan to wait 6 months, I just really didn't feel like getting new cards, and it was cool paying cash for everything.) I had read the big thread "HOW TO: From BK7 discharge to 700 in 24 months or less!" on here, but I wasn't a MyFICO subscriber or member at that point. I haven't followed the "HOW TO" thread exactly as I had planned to, but I'm happy with my results. I do have two students loans from before BK, so I didn't need an installment loan. So, for the sake of making this easy to read:
July '15
Filed BK7
November '15
BK7 Discharged
May '16
Credit One approved, $400 SL
$200 auto CLI (when 1st statement cut- I had already made a payment prior to statement cutting) $600 total SL
June '16
Capital One Platinum approved, $3000 SL (jaw hits floor)
Started MyFICO 3B, EQ 632; TU 576; EX 619
July '16
EQ 659; TU 603; EX 668
Capital One Platinum PC'd to Quicksilver (no AF)
Discover it approved, $1000 SL
Victoria's Secret approved, $500 SL via Shopping Cart Trick
NFL Extra Points approved, $3500 SL (jaw hits floor)
Entered the Garden
August '16
Gardening: EQ 665; TU 625; EX 674
September '16
Gardening: EQ 668; TU 630; EX 675
Capital One Quicksilver CLI $300 via Luv Button, $3300 total SL
October '16
Gardening: EQ 688; TU 650; EX 687
November '16
Gardening: EQ 689; TU 655; EX 687
Discover it CLI $500 via Luv Button, $1500 total SL
jetBlue Plus approved, $4000 SL (yeeeaaahhh, baby!)
Entered the Garden again
December '16
Gardening: EQ 688; TU 652; EX 682
Closed Credit One
Capital One Credit Steps CLI $500, $3800 total SL
In my Wallet Today
Capital One Quicksilver MC, $3800
Discover it, $1500
Victoria's Secret, $500
NFL Extra Points Visa, $3500
jetBlue Plus WEMC, $4000
Per EQ in July '16: AAoA 7 years 9 months, Oldest account 16 years 10 months (my oldest account doesn't show anymore after BK...)
Per EX today: AAoA 7 years 10 months, Oldest account 22 years 8 months (my oldest account is still on here...)
Inquiries: EQ 5, TU 4, EX 7 (after May '17: EQ 2, TU 3, EX 3)
Well, that's a lot of info. Kudos to anyone who makes it through it! 
Thanks!
Amazing job Bella! You have some nice cards and you are so close to 700 Keep at it!
@Anonymous wrote:Wow you keep really good records!
Yeah I'd be curious to know all of that but even just a general sense of your utilization would be satisfying--I'm guessing you maintained attractive levels for all those approvals!
| 16-May | 16-Jun | 16-Jul | 16-Aug | 16-Sep | 16-Oct | 16-Nov | 16-Dec | |
| Credit One | 12% | 2% | 6% | 0% | 3% | 0% | 0% | Closed |
| Capital One | 9% | 7% | 0% | 7% | 8% | 6% | ||
| Discover | 8% | 18% | 18% | 11% | 0% | |||
| Victoria's Secret | 9% | 0% | 0% | 6% | 0% | |||
| NFL Extra Points | 8% | 7% | 8% | 8% | 0% | |||
| Total UTIL | 12% | 2% | 9% | 7% | 5% | 8% | 7% | ? |
I spend way too much time on my spreadsheet, lol!
I figure just giving the percentages is a good place to start. As you can tell, I haven't been perfectly below 10% UTIL with Discover and they gave me my first $500 CLI 31 days ago. I am about to hit them up again, but the payment to bring it down to 0% is pending. Probably be able to give it a try tomorrow. My new jetBlue card will post its first balance next week, and I'll probably let it post 10-15% this first time around. Been toying with the idea of moving the NFL limit over to the jetBlue, though.