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Next Step

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Next Step

Here's some background.  

 

Business related BK7 filed 11/2017, discharged 3/2018.  Still dealing with trustee on sale of house issues so case isn't closed yet.

 

Included in BK are Amex, Chase, Citi, Logix, DCU, PenFed, NFCU, Barclays, Cap One

 

Credit One opened 4/2018.  $500 limit, increased to $700

Blaze Mastercards opened 6/2018 $2,500 limit increased to $3,000

Wayfair opened 6/2018 $3,000 limit increased to $5,000

Kohls opened 12/2018 $500 limit

 

Current AU cards 

CSP $37k

CapOne Venture $30k

 

I am thinking of opening Cap One in March (currently have preapproval on their site) and closing Credit One before annual fee.  

 

Current scores obtained from current card provided scores - TU 684 , EX 665, EQ unknown 

 

Any other target cards?

Ch 7 Discharge 3/12/2018
Cap One QS1 $3,500, Wayfair $5,000, Blaze MC $3,000, Kohls $2,000, BBVA $2,500
Infiniti Financial lease

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Super Contributor

Re: Next Step


@sccredit wrote:

Here's some background.  

 

Business related BK7 filed 11/2017, discharged 3/2018.  Still dealing with trustee on sale of house issues so case isn't closed yet.

 

Included in BK are Amex, Chase, Citi, Logix, DCU, PenFed, NFCU, Barclays, Cap One

 

Credit One opened 4/2018.  $500 limit, increased to $700

Blaze Mastercards opened 6/2018 $2,500 limit increased to $3,000

Wayfair opened 6/2018 $3,000 limit increased to $5,000

Kohls opened 12/2018 $500 limit

 

Current AU cards 

CSP $37k

CapOne Venture $30k

 

I am thinking of opening Cap One in March (currently have preapproval on their site) and closing Credit One before annual fee.  

 

Current scores obtained from current card provided scores - TU 684 , EX 665, EQ unknown 

 

Any other target cards?


You could go for Cap1 and close Credit One and Blaze. Say so long to the vulture cards. You'd still be at 3 cards which is best for FICO scoring doing the AZEO method. Then go after a Disco after 6 months of having the CAP1. Dont go for the QS1. Get the Plat. Easier to upgrade and so forth. I'll stop there. Dont rush apps. If approved for Disco. Then more doors will open. Cool? Good Luck!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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