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Capital One QS & Discover IT! - 9 Months Post Ch 7

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Valued Member

Capital One QS & Discover IT! - 9 Months Post Ch 7

Pretty excited!  Smiley Happy

 

Discover IT - 04/18 - $6,000 SL

Capital One Quick Silver (hoping Visa Signature) - 05/18 (today) - $5,000 SL

 

Woot!

 

Chapter 7 filed: 03/17

- Discharged: 07/17

Current Experian FICO 8 Score: 693

 

(MOD CUT: Please no cross posting of the same information is not inline with our TOS and thank you for your understanding)
Rebuilding credit since July 2017 (Ch7 BK discharge).
Obtained: Capital One Platinum Mastercard $750 - CreditOne Visa $600 - Best Egg Loan $5,000 - DiscoverIT $7,500 - Capital One Quicksilver Visa Signature $5,000.
Desire: Apple Barclaycard Visa
Fico8 07/2018: EX 691, EQ 683, TU 698 - Gardening until December 2018
6 REPLIES 6
Established Contributor

Re: Capital One QS & Discover IT! - 9 Months Post Ch 7

Congratulations on your new cards and CLIs. 

October 2019 Current Scores: Experian-670
TransUnion-680
Equifax-696
Goal for 2019: Scores of 675 all across the board.
Gardening until Spring 2020

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $1.6K
DiscoverIt Chrome $1.8K
Walmart Store Card $500
Ollo Rewards Card $800
Amazon Store Card $1K

Cards I Want: Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 30%
No baddies
Inquiries to Date- 3


Message 2 of 7
Senior Contributor

Re: Capital One QS & Discover IT! - 9 Months Post Ch 7

Congrats on both approval and nice SL

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 7
Established Contributor

Re: Capital One QS & Discover IT! - 9 Months Post Ch 7

Congrats on your approvals. 

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 4 of 7
Regular Contributor

Re: Capital One QS & Discover IT! - 9 Months Post Ch 7


@MOMO83 wrote:

Pretty excited!  Smiley Happy

 

Discover IT - 04/18 - $6,000 SL

Capital One Quick Silver (hoping Visa Signature) - 05/18 (today) - $5,000 SL

 

Woot!

 

Chapter 7 filed: 03/17

- Discharged: 07/17

Current Experian FICO 8 Score: 693

 

(MOD CUT: Please no cross posting of the same information is not inline with our TOS and thank you for your understanding)

Congrats! Were either of these IIB? Just curious because these are my two goals after Ch 7 discharge as well!

STARTING OVER. Hit a bump in the road with an unemployed hubby, 700s turned to 400s pretty quickly when we couldn't pay.
Before hardship: 700s
Before filing CH 7: 490s
After CH 7 discharge reported to bureaus:
Equifax 660
TransUnion 614
Experian 626
Current scores
680 Equifax, 637 Trans Union, 644 Experian
Message 5 of 7
Valued Member

Re: Capital One QS & Discover IT! - 9 Months Post Ch 7


@720dream wrote:

@MOMO83
 

Congrats! Were either of these IIB? Just curious because these are my two goals after Ch 7 discharge as well!


Thanks! Yes, Discover Card was (the debt was really old though). I didn't try to get a Discover Card until they sent me a pre-approval mailer for the IT Card. My initial Capital One was just the Platinum Mastercard with a $300 SL.

Rebuilding credit since July 2017 (Ch7 BK discharge).
Obtained: Capital One Platinum Mastercard $750 - CreditOne Visa $600 - Best Egg Loan $5,000 - DiscoverIT $7,500 - Capital One Quicksilver Visa Signature $5,000.
Desire: Apple Barclaycard Visa
Fico8 07/2018: EX 691, EQ 683, TU 698 - Gardening until December 2018
Message 6 of 7
Valued Member

Re: Capital One QS & Discover IT! - 9 Months Post Ch 7

New Cap One QS came in the mail today. It is a Visa Signature branded card. Woot! Smiley Happy

Rebuilding credit since July 2017 (Ch7 BK discharge).
Obtained: Capital One Platinum Mastercard $750 - CreditOne Visa $600 - Best Egg Loan $5,000 - DiscoverIT $7,500 - Capital One Quicksilver Visa Signature $5,000.
Desire: Apple Barclaycard Visa
Fico8 07/2018: EX 691, EQ 683, TU 698 - Gardening until December 2018
Message 7 of 7
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