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My rebuild story :)

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Scupra
Super Contributor

Re: My rebuild story :)


@Guyatthebeach wrote:

Scupra,

 

That could be a great entrance into US Bank. I would defnitely wait until you have a 1 year of solid payment history with US Bank before applying for a credit card.

 

Keep up the great work!

 

Guyatthebeach


Thanks! Will definitely be some time until then. CSP is my next goal

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 201 of 279
grassfeeder
Frequent Contributor

Re: My rebuild story :)

Congrats!  We too just closed on our home on 12/17.  It's been so competely random how our stories and dates align to the month almost - but a compete feeling of calm knowing someone else has pretty much my same story and success has also come from the work put in.

Fico 8 Scores 5/1/22 :
799 EQ | 793 TU | 809 EX
Message 202 of 279
Scupra
Super Contributor

Re: My rebuild story :)


@grassfeeder wrote:

Congrats!  We too just closed on our home on 12/17.  It's been so competely random how our stories and dates align to the month almost - but a compete feeling of calm knowing someone else has pretty much my same story and success has also come from the work put in.


Such good news for my BK twin lmao! So happy you closed on the home. Very odd how they have matched up but glad they have worked out for the best Smiley Happy

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 203 of 279
Scupra
Super Contributor

Re: My rebuild story :)

Febuary changes:

- Added $5k Chase Sapphire Preferred

 

March:

- Downgraded Arrival+ WEMC to Arrival world card. I wanted to get rid of the AF and hardly use it now that I am maximizing UR points.

 

That's it for now! Probably garden for quite a while now Smiley Happy

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 204 of 279
Scupra
Super Contributor

Re: My rebuild story :)

I got a score update today and this is the first time I have had a score "in the green"

 

scores.PNG

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 205 of 279
aussiesareforever
Established Contributor

Re: My rebuild story :)

What does the green score mean? Haven't gotten one of those scores in a couple years 


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 206 of 279
Scupra
Super Contributor

Re: My rebuild story :)


@aussiesareforever wrote:

What does the green score mean? Haven't gotten one of those scores in a couple years 


On a computer myFICO shows your score in green once you hit 740 Smiley Very Happy

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 207 of 279
Wizdog1
Regular Contributor

Re: My rebuild story :)

Congratulations Scupra, I missed that you bought a home. You have done an amazing job and have been my hero for the past couple of years. You are such a positive, helpful source for all of us. You are so diplomatic with your advise, I'm missing that chip but I have learned so much and will be forever grateful to this forum and everyone who contributes.

Message 208 of 279
aussiesareforever
Established Contributor

Re: My rebuild story :)


@Scupra wrote:

@aussiesareforever wrote:

What does the green score mean? Haven't gotten one of those scores in a couple years 


On a computer myFICO shows your score in green once you hit 740 Smiley Very Happy


Nice. Congratulations Smiley Happy


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($35,000) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($33,000)

Experian 835 Transunion 828-- August 2018
Message 209 of 279
Scupra
Super Contributor

Re: My rebuild story :)


@Wizdog1 wrote:

Congratulations Scupra, I missed that you bought a home. You have done an amazing job and have been my hero for the past couple of years. You are such a positive, helpful source for all of us. You are so diplomatic with your advise, I'm missing that chip but I have learned so much and will be forever grateful to this forum and everyone who contributes.


Thank you very, very much for the kind words! I love being able to help and motivate people here. If I have helped just one person in my journey, I am happy. So many people helped me when I first came here so I just want to do the same and give back to the community.

 

Hope everyone has an awesome, safe holiday weekend!

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 210 of 279
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