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My rebuild story :)

Community Leader
Super Contributor

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
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 31 of 279
Frequent Contributor

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.

Message 32 of 279
Community Leader
Super Contributor

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
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 33 of 279
Regular Contributor

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 Starting Score: Oct. 2013 EQ FICO 651
February 2016 EQ FICO 699 Mortgage 716
February 2016 TU FICO 688 Mortgage 738
February 2016 EX FICO 693 Mortgage 742
Cap One QS World MC $11k; Cap One Venture Sign VS $15k; NFCU VS Sign Cash Rwds $16.1k; NFCU Plat VS $11k; Mercury (previously Barclay Rwds MC) $4000; Lowes $17k; Neiman Marcus $5k; Discover $2k; Barclaycard (AU) $24K; Discover (AU) $15.5k New Mortgage January 2016
GOAL 730 FICOs on ALL 3 CRs by OCTOBER 2019
Message 34 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

@Scupra,

 

Congrats for the hardwork.

Message 35 of 279
Valued Contributor

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. 

Barclay Reward MC 750|Cabela's 1k|Capital One QS1 3.4k|
|Sony Card 3.5k|
Message 36 of 279
Community Leader
Super Contributor

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
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 37 of 279
Community Leader
Super Contributor

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
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 38 of 279
Frequent Contributor

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.

Message 39 of 279
Regular Contributor

Re: My rebuild story :)

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

Chapter 7 Discharge Aug 2013 Starting Score: Oct. 2013 EQ FICO 651
February 2016 EQ FICO 699 Mortgage 716
February 2016 TU FICO 688 Mortgage 738
February 2016 EX FICO 693 Mortgage 742
Cap One QS World MC $11k; Cap One Venture Sign VS $15k; NFCU VS Sign Cash Rwds $16.1k; NFCU Plat VS $11k; Mercury (previously Barclay Rwds MC) $4000; Lowes $17k; Neiman Marcus $5k; Discover $2k; Barclaycard (AU) $24K; Discover (AU) $15.5k New Mortgage January 2016
GOAL 730 FICOs on ALL 3 CRs by OCTOBER 2019
Message 40 of 279