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My rebuild story :)

Established Contributor

Re: My rebuild story :)

I hear ya, but the score isn't bad at all, IMHO

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 71 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Chase isn't BK friendly so every little bit helps! Would be nice to be over 700 when apping with them.
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 72 of 279
Established Contributor

Re: My rebuild story :)

Great point
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 73 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

After a year of spend with my Arrival+ and the signup bonus, I am happy to say I just booked my upcoming honeymoon in June for next to nothing! My credit finally paid me Smiley Happy

 

Cancun here we come Smiley Very 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 74 of 279
Established Contributor

Re: My rebuild story :)

Awesome!! Congrats!!

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 75 of 279
Member

Re: My rebuild story :)

My question is did it take time, i recently filed was disharged in 9/201, I received a capital one unsecured for $300, just received a small increase of 100, bringing me to a total of $400. I also have a First Premier for $300. I am working with lexington law to remove negative items off my report, but i dont know what else to do. I would like to apply for a car loan with capital one. I also just recently applied for a Barclay and i was denied. So what should i do, just stick with what i have until my 1 year anniversary. Its so discouraging. 

Message 76 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Got some auto luv from Barclay on my Arrival! Went from $6,000 to $9,000 13th statement
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 77 of 279
Established Contributor

Re: My rebuild story :)

Awesome!! Congrats buddy...thinking of Discover or Chase?

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 78 of 279
Community Leader
Super Contributor

Re: My rebuild story :)

Haha! Not until my cards age a bit, EX cleans up and some inquiries fall off EQ
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 79 of 279
Established Contributor

Re: My rebuild story :)

I hear ya!  I was wondering about a 2nd Barclays card...What do you think?  I lknow you have 2, how long in between did you apply for them?

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 80 of 279