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My rebuild story :)

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Scupra
Super Contributor
‎01-30-2015 11:49 AM
‎01-30-2015 11:49 AM

Re: My rebuild story :)

@CWESTL wrote:

Congratulations Scupra!!!! Aside from the BK, have all your baddies and IIBK accounts fallen off of your CR's?

Thanks so much! All my IIBK's will drop off by August of this year, with most falling off by June. No other baddies besides those and the BK.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 31 of 279
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grassfeeder
Frequent Contributor
‎01-30-2015 02:01 PM
‎01-30-2015 02:01 PM

Re: My rebuild story :)

Just got Discover!!!  only $1000 limit but I'll treat it nicely and maybe in 6 months they give me a little boost.  terms weren't prime but I don't care since I will PIF each month any way.

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 32 of 279
Scupra
Super Contributor
‎01-30-2015 02:19 PM
‎01-30-2015 02:19 PM

Re: My rebuild story :)

@grassfeeder wrote:

Just got Discover!!!  only $1000 limit but I'll treat it nicely and maybe in 6 months they give me a little boost.  terms weren't prime but I don't care since I will PIF each month any way.

You would do this to me! hahah Awesome job and congrats on the Discover!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 33 of 279
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CWESTL
Regular Contributor
‎01-30-2015 02:30 PM
‎01-30-2015 02:30 PM

Re: My rebuild story :)

Thanks Scupra and Grassfeeder. Both of your journeys are helpful. All my baddies/IIBK accounts will fall of my CR's by September 2015. I hope to have 700 scores once these accounts fall off. I'm going to try to stay in the garden until that point.

Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
Jan 2024 EQ FICO 8 840
Jan 2024 TU FICO 8 779
Jan 2024 EX FICO 8 788
Jan 2024 EQ FICO 9 824 AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $27.5K; Cap One QS World MC $11k; Cap One Venture Sign VS $30k; Chase Sapphire Pref $18K; Citi Simplicity $7K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $11.5k; Discover It $19.5K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC @ 2.75% Apr 2022; New Auto July 2017; NFCU LOC $20K
GOAL 820 FICOs on ALL 3 CRs by JANUARY 2025.
AMEX Lowes Business $25K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; US Bank Business Platinum $10K
Message 34 of 279
Anonymous
Not applicable
‎02-02-2015 04:44 PM
‎02-02-2015 04:44 PM

Re: My rebuild story :)

@Scupra,

 

Congrats for the hardwork.

Message 35 of 279
Pway
Valued Contributor
‎02-02-2015 07:00 PM
‎02-02-2015 07:00 PM

Re: My rebuild story :)

@ Scupra,

 

Rebuilding is a lot of hard work, time and dedication.  Congratulations on your rebuild.  I wish you nothing but the best. 

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 36 of 279
Scupra
Super Contributor
‎02-03-2015 10:32 AM
‎02-03-2015 10:32 AM

Re: My rebuild story :)

Thank you everyone for the kind words! Means a lot

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 37 of 279
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Scupra
Super Contributor
‎02-06-2015 11:35 PM
‎02-06-2015 11:35 PM

Re: My rebuild story :)

Asked Barclay for recon on starting limit for the U.S. Airways card. Guy preached about my credit and "excellent healthy usage" on the Arrival and stated they want history on this card. Worth a shot!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 38 of 279
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grassfeeder
Frequent Contributor
‎02-06-2015 11:51 PM
‎02-06-2015 11:51 PM

Re: My rebuild story :)

@Scupra wrote:
Asked Barclay for recon on starting limit for the U.S. Airways card. Guy preached about my credit and "excellent healthy usage" on the Arrival and stated they want history on this card. Worth a shot!

mind if I ask what you're carrying for balances with your cards?  I've got zero across the board and $200 roll-over on my NFCU Flag.....perhaps I need to mix things up?  Not sure as I don't seem to be moving really....especially my TU score.

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 39 of 279
CWESTL
Regular Contributor
‎02-07-2015 06:30 AM
‎02-07-2015 06:30 AM

Re: My rebuild story :)

Grassfeeder - How many baddies/IIBK accounts are on your credit file? How many inquiries? 

Chapter 7 Discharge Aug 2013 (Removed 2022 & 2023)
Jan 2024 EQ FICO 8 840
Jan 2024 TU FICO 8 779
Jan 2024 EX FICO 8 788
Jan 2024 EQ FICO 9 824 AMEX Cash Magnet $26K; AMEX Platinum NPSL, POT $27.5K; Cap One QS World MC $11k; Cap One Venture Sign VS $30k; Chase Sapphire Pref $18K; Citi Simplicity $7K; NFCU AMEX Rwds $28k; NFCU VS Sign Cash Rwds $24.1k; NFCU Plat VS $19k; Wells Fargo Reflect $25K; Mercury (previously Barclay Rwds MC) $5750k; Lowes $35k; Neiman Marcus $44k; Discover It $11.5k; Discover It $19.5K; Venmo Visa Sign $20K; Barclaycard (AU) $25.5K; Discover (AU) $19.5k New Mortgage Jan 2016 & Nonreaffirmed Mortgage Refinance Nov 2020; HELOC @ 2.75% Apr 2022; New Auto July 2017; NFCU LOC $20K
GOAL 820 FICOs on ALL 3 CRs by JANUARY 2025.
AMEX Lowes Business $25K
AMEX Business LOC $25K
Chase Ink Business Unlimited $26.5K; US Bank Business Platinum $10K
Message 40 of 279
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