Ultimate 3B question

nursepower · ‎10-19-2018

So I just signed up for this and my scores for Equifax and Experian seems to be mid 500's and TU high 400's. My DC was 2 days ago. Will these scores go up as the DC is reported to the bueraus? Also one of the credit bearaus says all my accounts are Charge offs and included in BK. Is that normal? Or should it just say IIB and not show lates and Charge offs?

zerofire · ‎10-19-2018

If your last application was two days ago then even the fastest turn around would not have your account reported yet. This assumes that you were approved and not given a wait time as is typical with less than stellar reports. The score will slightly improve as the Citi Double Cash is reported but the best results will be when you pay as agreed. The history that builds will get you up and out of that low score mess. We sadly cannot determine what exactly is supposed to be listed because only you know. Did you file a BK recently? Has it been some time since you were late or had the charge off? You really should provide more info.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

erik84 · ‎10-19-2018

@zerofire wrote:
If your last application was two days ago then even the fastest turn around would not have your account reported yet. This assumes that you were approved and not given a wait time as is typical with less than stellar reports. The score will slightly improve as the Citi Double Cash is reported but the best results will be when you pay as agreed. The history that builds will get you up and out of that low score mess. We sadly cannot determine what exactly is supposed to be listed because only you know. Did you file a BK recently? Has it been some time since you were late or had the charge off? You really should provide more info.

By DC she means Discharge not citi double cash.. she is saying she was JUST discharged on the 18th

Anonymous · ‎10-19-2018

Focus on rebuilding your credit now. Secured Cards From Discover, Capital One, or Merrick Bank will get you going in the right direction. As long as the accounts are designated included in Bankruptcy then it is reporting okay.