cancel
Showing results for 
Search instead for 
Did you mean: 

My rebuild story :)

Highlighted
Community Leader
Super Contributor

Re: My rebuild story :)


Wizdog1 wrote:

Fantastic Scupra! Look at all that money you'll be saving on your mortgage to spend at Costco😉


haha! Costco, impossible to leave and spend less then a couple hundred Smiley Happy We got conditional approval yesterday, this streamline refi is painless

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k 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
Message 231 of 279
Frequent Contributor

Re: My rebuild story :)

 

@Scupra, That's a great story!

 

I had to file BK7 too in 2012 and was D/C on 6/2012. You are doing so well. I wish I knew how you got your Fico scores up this good?

 

Mine are as of 11/15/16

 

Fico 08

Experian 727

TU 721

EQ 713

 

I have a total of over 170K in credit lines and utilization between 10-13%.

Please advise!

 

 

Message 232 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


Designer91 wrote:

 

@Scupra, That's a great story!

 

I had to file BK7 too in 2012 and was D/C on 6/2012. You are doing so well. I wish I knew how you got your Fico scores up this good?

 

Mine are as of 11/15/16

 

Fico 08

Experian 727

TU 721

EQ 713

 

I have a total of over 170K in credit lines and utilization between 10-13%.

Please advise!

 

 


Thank you very much! Your cards and scores look great, heck I only have roughly $125k in credit. I wish I could tell you why my scores were so high, but I would be guessing. I have no IIB acounts left and the only negatice bsides the BK is 2 late payments from over 5 years ago. Oddly when my mortgage started reporting it held my score down. Just did a refi and when the mortgage reported as paid off, my scores went down more lol. So now just waiting for the new mortgage account to report and see what happens.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k 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
Message 233 of 279
Frequent Contributor

Re: My rebuild story :)

Thank you for taking the time to share your feedback.

 

Having a mortgage will increase your score with time.

 

When my mortgage fell off my credit 10 years after it was paid off, my score went down. I have no negatives beside the actual BK7. No late payments, no collections, but no mortgage. 3 car loans, 2 paid off and one is current 20 months old.

Message 234 of 279
Valued Member

Re: My rebuild story :)

@Scupra,

 

So, a small summary of my situation. Filed CHapter 13 02/15 because of job issues and 100K in student loan debt and CC debt. I converted to a CH7 08/16 and had my 341 on 11/18/16. So what can I expect as far as discharge date and rebuilding. I printed the post on rebuilding to 700 CS. My student loans were included in my bankruptcy because based on where I work and in MS I will never make enough to pay them. All my accounts were current before I filed. my scores are as follows as of now:

 

Transunion: 564

Equifax: 584

Experian: ??

 

ALSO: Just viewed my Equifax report and it states that I filed CH 7 03/25/15 which is around the time I filed for CH13. What do I need to do now so that I can get myself ready for better credit and a mortgage soon?

 

Thanks for any advice you give. I have been following your story and it has been so inspiring.

 

 

CH 13 03/15 converted to CH7 011/16 discharged 01/17.

Message 235 of 279
Frequent Contributor

Re: My rebuild story :)

Scupra - I have told you this before but you are a true inspiration to all of us here @ MyFico Forums.

Your story - Your recovery - Your rebuild it is simply amazing...I will be thinking of you when I go for a mortgage in 12-24 months !

Discharged BK7 - 7.16.15
Current Fico8 - (9.29.18) EX - 665/EQ - 691/TU - 673
Total CL - $180,500.
**Officially gardening till 7.16.20 when I will conquer AMEX**
Message 236 of 279
Valued Member

Re: My rebuild story :)

Can you provide any helpful tips or strategies for a bankruptcy newbie trying to get her credit on track?

 

Thank you!

CH 13 03/15 converted to CH7 011/16 discharged 01/17.

Message 237 of 279
Frequent Contributor

Re: My rebuild story :)

IdRoger21....DO NOT I REPEAT DO NOT LOAD UP ON STORE CARDS ! Once your reports are cleaned up go for a CAP 1 card.

Discharged BK7 - 7.16.15
Current Fico8 - (9.29.18) EX - 665/EQ - 691/TU - 673
Total CL - $180,500.
**Officially gardening till 7.16.20 when I will conquer AMEX**
Message 238 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


tussking wrote:

Scupra - I have told you this before but you are a true inspiration to all of us here @ MyFico Forums.

Your story - Your recovery - Your rebuild it is simply amazing...I will be thinking of you when I go for a mortgage in 12-24 months !


You all are always so nice! Thank you very much Smiley Happy myFICO has been so helpful with everything related to my rebuild and I just want to give back to the community. Hope your home buying experience goes as smoothly as mine did. Happy holidays to you and your family

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
740 EQ FICO 06/2018
750 TU FICO 06/2018
741 EX FICO 06/2018
$24k NFCU Platinum | $25k 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
Message 239 of 279
Frequent Contributor

Re: My rebuild story :)

Great reading that thing continue to go well for you and your rebuild.  I haven't been on as much as I was but continue to stay dilligent andso really wait for the day when I get back with the better cards that still won't touch anyone with a BK.  Need those sign-up bonus points.  I just recently completed the FHA Streamline as well and am in the middle of actually refi'ing to a conventional to get rid of that PMI.

 

Would love to get on of those Chase cards or even the Costco card.  Need to get the house situated first though.

Message 240 of 279