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Progress 4 months post DC

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Mjhall85
Frequent Contributor

Progress 4 months post DC

So I am just over 4 months discharge and today when my fico 8s updated they all crossed the 650mark!  I'd update my signature but I forgot how haha. So if anyone knows how I'd appreciate it. 

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 1 of 18
17 REPLIES 17
Papa_Bear
Frequent Contributor

Re: Progress 4 months post DC

Congrats! I'm almost 5 months past DC and I'm between 650 and 673 across the board. Not complaining especially since I start around mid-400s. Keep at it.




Message 2 of 18
Mjhall85
Frequent Contributor

Re: Progress 4 months post DC

for 5 months out that is great! I am hoping by the time I am ready for a mortgage, my mortgage middle is 720 plus. Currently it's 670 so I think it's doable.

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 3 of 18
DebtStinks
Established Contributor

Re: Progress 4 months post DC

@Mjhall85

 

1) Highlight your avatar

2) Select Settings

3) Select Personal Information

4) There's a box for "Signature"

 

Hope this works for you.

NFCU More Rewards AMEX $25000 (Opened 1/19) - NFCU Platinum $21000 (Opened 1/21) - TTCU Platinum Visa $10000 (Opened 10/18) - Discover $5500 (Opened 11/21) - Barclays View MC $5000 (Opened 1/19) - Capital One Platinum $3500 (Opened 2/19) - Capital One World Elite MC $1000 (Opened 3/21) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $42500 (Opened 10/18)
Closed - PenFed $35,000 - Cap1 World Elite MC $11,200
Total CL - $115500

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 2/18/21:




Inquiries Last 12 Months:
Message 4 of 18
Mjhall85
Frequent Contributor

Re: Progress 4 months post DC

Yes! thank you @DebtStinks  I knew it was something easy but I couldn't find it.

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 5 of 18
Caliboy97
Contributor

Re: Progress 4 months post DC

Let's gooooo! That's great work!!

 

I'm about 2 months discharge got 650 credit scores on my vantage scores 😭😭😭 Hopefully FICO comes through soon haha

Bankruptcy Discharge 9/21/2020
Starting Scores

May Update (Moving)

Slow and Steady Rebuild. Around 15K in revolving credit at 2% and 45K Auto Loan! Hoping to start upping those limits over time.
Capital one Platinum and Quicksilver | Kia Financial 49K auto loan | Navy Fed Secure Card | OpenSky Secure Card | Schools First FCU Card | Grain account | KikOff Loan and credit account | Student Loans Perfect history 16K left
Message 6 of 18
Mjhall85
Frequent Contributor

Re: Progress 4 months post DC

@Caliboy97  The scores will come soon enough I honestly just got lucky that my score has hit 650s. Hopefully you've gotten a credit card since discharge. 

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 7 of 18
Caliboy97
Contributor

Re: Progress 4 months post DC

Yeah I have a handful of credit lines so the scores will come in not time. I'm trying to buy a house at 25 in 2 years so working as fast as possible

 

two installment loans kikoff and credit strong to build history

 

OpemSkyCC card 

navy fed secure card 

Cap1 platinum card 

 

authorized user on discover

 

plus student loans

Bankruptcy Discharge 9/21/2020
Starting Scores

May Update (Moving)

Slow and Steady Rebuild. Around 15K in revolving credit at 2% and 45K Auto Loan! Hoping to start upping those limits over time.
Capital one Platinum and Quicksilver | Kia Financial 49K auto loan | Navy Fed Secure Card | OpenSky Secure Card | Schools First FCU Card | Grain account | KikOff Loan and credit account | Student Loans Perfect history 16K left
Message 8 of 18
CreditMagic7
Mega Contributor

Re: Progress 4 months post DC

Keep at it and allow time to put more distance of the BK behind you.

 

Its no picnic having to have had to resort to BK in the first place but the rebuild is every much as important in getting back on track with the long road to recovery.

 

In my siggy below is a rebuild effort on this end from my DC which was in July.

So i'm roughly the same amount of months Post-DC.

 

Now comes the month after month waiting period and AZEO process so the rebuild can grow along it's own course.

 

 

Message 9 of 18
Mjhall85
Frequent Contributor

Re: Progress 4 months post DC

All of those are your current cards after bk ? I just got my third about a month or so ago. I plan on letting the ones I have age for another 7-8 months before I apply for anything else. Plus my student loans will be rehabbed by then and all my lates will be gone so should get a nice little increase then.

Chapter 7 filed 2/3
Discharged 6/30

Fico 8
EQ 681 TU 671 Ex 665
Fico 4 TU 690 Fico 5 702 Fico 2 693
Message 10 of 18
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