To the myFico Community, this board has changed my life, quite literally.
I had no idea a resource like this existed until I discovered it in July 2020. This is my first time posting.
I declared Chapter 7 BK in November 2015. Fast forward to March 2020, I have three credit cards to my name: a $300 Merrick Bank Card, a $750 Ollo Card, and a $500 secured Capital One Platinum card. I assume it's going to be a long, hard slog.
Then I discovered this forum. 12 months later, I have $140,400 in unsecured open credit card lines -- 100% due to this Community. My most recent approval, a $35k sl (at 9.5%, my lowest APR to boot) with First Tech Federal Credit Union two weeks ago for their Choice Rewards World Mastercard. I have no history with First Tech.
Data Points:
FICO 8 August 2020: 734
FICO 8 Today: 730
Income: $180k
6% Utilization
Inquiries last 24 months: TU 7, EX, 7, EQ 3
No lates or derogs, other than my BK in 2015.
Cards in order of acquisition:
Capital One Quicksilver: $2000 (upgraded from $500 Platinum and converted to unsecured. Seems to be bucketed)
Cap One Quicksilver One: $2500 (seems to be bucketed)
Discover IT: $9,000 (initial credit line $6,000)
Apple Mastercard: $8,000 (initial credit line $3,000)
NFCU Cash Rewards Visa: $4500 (initial credit line $1,000)
BB&T Bright Visa: $7500
Citi Costco Visa: $1,200 (Citi was IIB, I'm guessing why it's so low)
PenFed PCR Visa: $12,000
NFCU Platinum Visa: $19,000 (initial credit line $15,000)
BECU Visa: $15,000
American Express BCE: $15,000 (initial credit line $5,000)
Amex BCP: $9700
First Tech FCU Choice Rewards Mastercard: $35,000
I am indebted to this entire Community! Thank you! 😊
Looks like you've been busy. This forum has done the same thing for me since 2013.
On Deck: Possibly Aven 3% Visa
