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So from my perspective, having never filed BK... i'm curious about a few things..
I started rebuilding on 4/17 and from clawing and scratching my way back up just barely got to 630 across the board... and then i see a post about someone 12 mos. out of BK with a 740 score and getting approval for cards with a high SL i couldnt get.
Life isnt fair, i get that. But help me understand how that is even possible and why its viewed as the cowards way out, and yet from what i have seen it surely looks like the ultimate way to cheat the system and have it all.
From your cards signature, seem you in a good place OP, you have Navy up to $15k limit.
Also, your score within 8 months went up over 100 points across from all 3 CRA. That's FANTASTIC!
Starting Score: TU 504 EQ 525 EX 535 (4-4-17)
Current Score: TU 630 EQ 646 EX 639 & EQ9 705
I think you are in good direction tho. Every profile so diffrerent, we dont know if you have any lates, CO, collection or any degrog on your profile , we dont know your util on 1 card and all cards together, etc, etc, etc and much more.
Just be patient!
wrote:From your cards signature, seem you in a good place OP, you have Navy up to $15k limit.
Also, your score within 8 months went up over 100 points across from all 3 CRA. That's FANTASTIC!
Starting Score: TU 504 EQ 525 EX 535 (4-4-17)
Current Score: TU 630 EQ 646 EX 639 & EQ9 705
I think you are in good direction tho. Every profile so diffrerent, we dont know if you have any lates, CO, collection or any degrog on your profile , we dont know your util on 1 card and all cards together, etc, etc, etc and much more.
Just be patient!
Thank you and i understand all of the profile differences, but when i saw that 12mo. out of BK with a 740... which is about the same amount of time i have been working on mine and i'm nowhere near that... they file BK and have a clean-ish record after DC and get whatever.. i dont know if i'm explaining myself well enough.. hopefully any of that makes sense.
wrote:So from my perspective, having never filed BK... i'm curious about a few things..
I started rebuilding on 4/17 and from clawing and scratching my way back up just barely got to 630 across the board... and then i see a post about someone 12 mos. out of BK with a 740 score and getting approval for cards with a high SL i couldnt get.
Life isnt fair, i get that. But help me understand how that is even possible and why its viewed as the cowards way out, and yet from what i have seen it surely looks like the ultimate way to cheat the system and have it all.
You state that you didn;t fike BK but clawing and scratching your way back. From What? Chargeoffs?
Who has a 740 score 12 months out of BK?
wrote:So from my perspective, having never filed BK... i'm curious about a few things..
I started rebuilding on 4/17 and from clawing and scratching my way back up just barely got to 630 across the board... and then i see a post about someone 12 mos. out of BK with a 740 score and getting approval for cards with a high SL i couldnt get.
Life isnt fair, i get that. But help me understand how that is even possible and why its viewed as the cowards way out, and yet from what i have seen it surely looks like the ultimate way to cheat the system and have it all.
It's not cheating the system. It's perfectly legal.
There are many things someone with scores in the 600s and no BK can do that someone with a 700 and a BK cannot.
That's why i started this thread.. to gain understanding. not saying the 12 months and then 740 wasnt rage inducing, but there is always another side to the story.
I still have alot of work to do on mine, and some stuff i'll have to wait until it times out.