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My rebuild story :)

Community Leader
Super Contributor

Re: My rebuild story :)


Deltadog03 wrote:

Very true!  I ask a few times a month.  Lately its been like 1-2 a week..lol...its only a SP and the weird part is I don't even get my FICO score anymore...*even if its an old report*  LOL


haha! I ask once a month and I dont get the letter with FICO anymore either

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 91 of 279
Established Contributor

Re: My rebuild story :)

I am pretty much going to give up trying...Now that I have the Venture card, the QS1 is going in the SD.  I did notice today they have the Chip on the card now for the pic online (on my account page)  I am going to quite asking for CLI on that....

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 92 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


Deltadog03 wrote:

I am pretty much going to give up trying...Now that I have the Venture card, the QS1 is going in the SD.  I did notice today they have the Chip on the card now for the pic online (on my account page)  I am going to quite asking for CLI on that....


Smiley Happy I am the opposite haha I like the cash back more on the Quicksilver. The Venture was not a thought out app and mainly for the big starting limit. Live and learn haha

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 93 of 279
Established Contributor

Re: My rebuild story :)

I agree with you there.  I honestly wanted the bigger limit to show Chase and Discover and Barclays I can handle it.  I didn't really need it, but it will come in handy with trying to get points/miles that can be used for "cash back" or for hotels and airlines.  Mainly hotels for my fam.  Love the sight of Signature on the back...haaa ok, im weird..lol

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 94 of 279
Established Contributor

Re: My rebuild story :)

Whoa.. this thread is just so useful. I too, am going down this road... filed in 9/14 and am learning from many post filing mistakes. too many inquires and such, but no financing mistakes such as a new auto loan/housing and stuff... thanks for all the input! keeping my balances under 10%, building limits.

Message 95 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


padme wrote:

Whoa.. this thread is just so useful. I too, am going down this road... filed in 9/14 and am learning from many post filing mistakes. too many inquires and such, but no financing mistakes such as a new auto loan/housing and stuff... thanks for all the input! keeping my balances under 10%, building limits.


Glad my story could be of help! Good luck in your rebuild Smiley Happy 

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 96 of 279
Established Contributor

Re: My rebuild story :)

LMBO.....Cap 1 EO came through again!!  Asked on Friday if they would match my Venture limit, which is 5K.....and logged into my account today and boom!!  from 3,300 to now 5K on both Venture and QS1!!  I actually am shocked they raised it.

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 97 of 279
Established Contributor

Re: My rebuild story :)

I got a cap qs1 card last week for 3k. Aplied for venture last night and can't believe it got 10k.. with no annual fee.whoohoo guess I have to cancel qs1 now?
Message 98 of 279
Established Contributor

Re: My rebuild story :)

nah, don't cancel...keep it going...$0 balance report...maybe use it 1 time a month and pif

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 99 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Lately just been in the garden letting some inquiries age off. Getting rid of the itch is pretty hard so I started to tackle all of my IIBK accounts that were set to fall off in the next couple months.

 

TU: Requested for early deletion and they deleted all remaining IIBK accounts! All clean besides BK now.

EQ: Requested early deletion and they did as well. All clean besides BK now

EX: Requested early deletion and they removed all but one which led to me finding out they had the wrong DoFD! It took me about two weeks but I am happy to say I just got off the phone with EX and they have fixed the DoFD and the account will now fall off in June! All clean in 2 months Smiley Very Happy

 

Wife and I are thinking about submitting a mortgage app to see where we stand at this point. Mortgage was my main goal and is why I finally filed BK so I am feeling pretty good right now.

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 100 of 279