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My rebuild story :)

Community Leader
Super Contributor

Re: My rebuild story :)


grassfeeder wrote:

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.


That is odd, EX is my low score for some reason.. Amazon took forever to process my payment and reported a $280 bal on a $2,500 limit (CLI was after statement date) and I have an $8k bal on my $25k cashRewards (wedding expenses Smiley Happy )

 

Not the best util but I think I would break 700 without it :/

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 41 of 279
Regular Contributor

Re: My rebuild story :)

Scupra,  just want to thank you for being such a kind, positive influence on this forum. I don't post much but I read a lot. You are helpful to many people including myself. There are some that can be a little ruff and I would never want to ask anything else if that happened to me. You would have been a great cheer leader male or female! You are my hero. 

Message 42 of 279
Frequent Contributor

Re: My rebuild story :)


Scupra wrote:

grassfeeder wrote:

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.


That is odd, EX is my low score for some reason.. Amazon took forever to process my payment and reported a $280 bal on a $2,500 limit (CLI was after statement date) and I have an $8k bal on my $25k cashRewards (wedding expenses Smiley Happy )

 

Not the best util but I think I would break 700 without it :/


yeah, how the different CB's read into things and translate the data is beyond me.  EQ has always been my strong one....Once my Cap 1 Venture arrives I'm going to pay off all and use that exclusively so I can get the 40k bonus miles in 3 months.  We'll see what happens with scoring and reporting then.

Message 43 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


Wizdog1 wrote:

Scupra,  just want to thank you for being such a kind, positive influence on this forum. I don't post much but I read a lot. You are helpful to many people including myself. There are some that can be a little ruff and I would never want to ask anything else if that happened to me. You would have been a great cheer leader male or female! You are my hero. 


Thank you so much! I truly appreciate the kind words, really means a lot. I was beyond lost when I finally built up the courage to file BK. Plenty of people here have helped me and I only want to do the same. BK is not the end for us like so many people make it out to be. I try my hardest to be nice to everyone. Again, thank you so much! This has to be the nicest thing anyone has ever said to me on here. I hope you have a great night! Im always here to help if I can!

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 44 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

All my IIBK tradelines on TU were set to fall off in May, asked TU for early deletion and just got the results back...deleted all 3! Only negative on my TU is the bankruptcy itself. Now to wait and see if I get a scorewatch update..

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 45 of 279
New Contributor

Re: My rebuild story :)

Scupra... What's the rule for how long the IIBs stay on? I can never remember...



Starting Score:EQ:533/TU:492/EX:543
Current Score: EQ:649/TU:633/EX:639
Initial Goal Score (630) Reached 8/10/15

New Goal Score: 675

Take the myFICO Fitness Challenge
Message 46 of 279
Community Leader
Super Contributor

Re: My rebuild story :)


dragonhunter wrote:

Scupra... What's the rule for how long the IIBs stay on? I can never remember...


7 years from DoFD 

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 47 of 279
New Contributor

Re: My rebuild story :)


Scupra wrote:

dragonhunter wrote:

Scupra... What's the rule for how long the IIBs stay on? I can never remember...


7 years from DoFD 


Ah, thanks... I was thinking that but wasn't quite sure. Guess I am kind of screwed in that sense... I had perfect history until the month I decided to file.



Starting Score:EQ:533/TU:492/EX:543
Current Score: EQ:649/TU:633/EX:639
Initial Goal Score (630) Reached 8/10/15

New Goal Score: 675

Take the myFICO Fitness Challenge
Message 48 of 279
Frequent Contributor

Re: My rebuild story :)

how'd you ask them for early delete??
Message 49 of 279
Frequent Contributor

Re: My rebuild story :)

^ Nevermind, read it in another post
Message 50 of 279