cancel
Showing results for 
Search instead for 
Did you mean: 

My rebuild story :)

Community Leader
Super Contributor

Re: My rebuild story :)


ordnance1987 wrote:

Scupra wrote:
They will absolutely check credit for the secured card. I would apply for the unsecured nRewards card, if you don't qualify they will counter offer the secured version.. At least they do that when apping in a branch YMMV.

 

Thanks for clearing that up, I read online that for the NFCU secured loan they didn't do a credit check so I assumed the same for the secured cc. Will try to apply for the nRewards if I don't get it I'll call see if I can get the secured one


Hmmm Navy is very HP happy so that seems odd.. I have never had a secured loan from them though so I don't know. Good luck, NFCU has been a savior for a lot of us!

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 11 of 279
Frequent Contributor

Re: My rebuild story :)

Keep up the great work!

Venture $20k | Quicksilver $15k | J.Crew $19k | Discover It $18.9k | NICU Rewards MC $11k | Wally World $10k | Commence $10.5k | Citi Costco $9k | Chase Sapphire Reserve $10k | Nordstrom $7k | Sportman's Guide $6.5k | Barclay Apple $3.4k | Best Buy MC $2.2k | Merrick Bank Visa (formerly Hooters) $2k |
Message 12 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


Scupra wrote:

Hey everyone! Just wanted to spell out my rebuild to add to the already great rebuild stories after bankruptcy. I filed BK7 07/2012 after beating myself up for years. I had some medical issues that caused me to lose my job and incur a ton of medical debt. I was discharged in 10/2012 and found the "BK7 to 700" thread a little late. Now I have a built up savings account and an emergency fund to protect my financial future, and most of all credit.

 

- 10/2012 Cap1 opened at $500 ----> 04/2013 increased to $2,000 by auto CLI ----> 09/2104 increased to $5,000 by exec office request

- 10/2012 NFCU secured opened at $500 ----> 11/2013 unsecured and CLI to $7,000 ----> 08/2014 CLI to $14,000 by luv button

- 02/2013 NFCU opened at $1,000 ----> 11/2013 increased to $8,500 ----> 08/2014 CLI to $14,000 by luv button

- 07/2013 auto loan 4%

- 12/2013 NFCU $15k NavChek

- 02/2014 Barclay Arrival $3,000 ----> 08/2014 auto CLI to $4,500 I called in to recon limit and was increased to $6,000

 

It's been said many times and I will echo that there is life after bankruptcy and to just stick to the plan and be patient. Thank you to everyone on the boards for helping me get out of a bad situation and into a great one. Good luck everyone! 

 


- 10/2014 Amazon Store Card $2,200

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 13 of 279
Established Contributor

Re: My rebuild story :)

Congrat's on your new Amazon card !!     Smiley Happy

Ch.13 Discharge 8/2014
START: 9/2014: FICO: Eq-533/TU-519/Exp-560
CURRENT:1/2017: FICO: Eq-699/TU-700 Exp-703
/Cap 1 Plat (11,500)|Barclays (6200)|Cap1.Quicksilver (7650.00)|Overstock (6,000)|Discover (4500)|DCU/Auto/25k/1.99%
|Cap 1 Auto/35k/2.49%
Message 14 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


beachglass wrote:

Congrat's on your new Amazon card !!     Smiley Happy


Thank you! I was pleasantly surprised 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 15 of 279
Established Contributor

Re: My rebuild story :)

You've been working hard. Well deserved.

Ch.13 Discharge 8/2014
START: 9/2014: FICO: Eq-533/TU-519/Exp-560
CURRENT:1/2017: FICO: Eq-699/TU-700 Exp-703
/Cap 1 Plat (11,500)|Barclays (6200)|Cap1.Quicksilver (7650.00)|Overstock (6,000)|Discover (4500)|DCU/Auto/25k/1.99%
|Cap 1 Auto/35k/2.49%
Message 16 of 279
Frequent Contributor

Re: My rebuild story :)

t's ythe perk of the amazon card that places it above using one of the NFCU lines?

Message 17 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


grassfeeder wrote:

t's ythe perk of the amazon card that places it above using one of the NFCU lines?


Honestly, I think the only positive would be the 0% deals. I wanted to open another revolver and know Sync is pretty good with CLI's. The card will grow with me and hey, I got a $40 gift card lol 

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 18 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Talked to the Cap1 EO and they are going to get rid of my AF Smiley Happy wooo!

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 19 of 279
Regular Contributor

Re: My rebuild story :)

You're almost at 700!!!  I've been paying attention, and you're inspiring. Congrats on the Amazon card!


Starting Score 12/2013: 547 EQ; 529 EX; 540 TU
Current Score: 3/8/16 711 EQ Fico; 710 EX (CU hard pull); 701 TU Fico
Goal Score: 700


Take the myFICO Fitness Challenge
Message 20 of 279