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Day of CH7 DC - Approvals!

willwar14
Valued Contributor

Day of CH7 DC - Approvals!

It's been a long time since I have posted on this forum but I thought now would be good time to start back up again, my discharge was yesterday and I burned almost everyone, literally. 

 

I went to the Cap One pre-qualify link and was prequalified for their QS card, got approved for $3k.

 

Then I had been getting mailers for Credit One's no fee visa so I went for it and was approved for $1.5k. 

 

I also have the secured Chime CC that survived the BK so I do have three cards, not sure if I should garden for around 6 months and try for more then or if I should pick up one or two higher-limit secured CCs then wait the 6 months. Opinions are welcome, thank you.

CH7 FILED: 08/18/2022, DC: 01/23/2023
7 REPLIES 7

Re: Day of CH7 DC - Approvals!

congrats on the new cards. Cap 1 is a savior for those that have been through a BK and need to rebuild

ONE OF THE BEST FINANCIAL MOVES I EVER MADE WAS TO STOP RENTING MONEY
Message 2 of 8
KingRue8500
Valued Contributor

Re: Day of CH7 DC - Approvals!

Congrats on your approvals




Message 3 of 8
mgood
Valued Contributor

Re: Day of CH7 DC - Approvals!

Congrats on the new approvals!

I'd try gardening for at least 3 months.



Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 769, TU8 760, EX8 772 as of Feb 1
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
AZE4 - 7% Utl - New Accts: 1/6, 2/12, 5/24
Message 4 of 8
StephenH
Contributor

Re: Day of CH7 DC - Approvals!

Congratulations on your approvals and DC! Take it easy on applications for the foreseeable future, get a SSL if you don't have a loan reporting, and stay in the garden until your accounts have aged for about a year or so. You are set up to reach 700 FICO by month 24 if you stay the course. Be patient and good luck!

Bankruptcy Chapter 7 DC 03/2021
IIB: Chase CSR 10K, Amex BCP 20K, Disco It 9K, Citi DC 3K

Cap One Plat. 04/2021 3K SL ---> CLI 3.3K ---> PC Venture One ---> PC QS
Cap One QS1 08/2021 3K SL ---> CLI 5.5K ---> PC QS (no AF) ---> PC Venture
Installment Loan 08/2021 10K remaining
Student Loan 09/2014 15K remaining

FICO 8: 683 EX, 668 EQ, 652 TU
Goal: Venture X, Penfed PCR
Message 5 of 8
SouthJamaica
Mega Contributor

Re: Day of CH7 DC - Approvals!


@willwar14 wrote:

It's been a long time since I have posted on this forum but I thought now would be good time to start back up again, my discharge was yesterday and I burned almost everyone, literally. 

 

I went to the Cap One pre-qualify link and was prequalified for their QS card, got approved for $3k.

 

Then I had been getting mailers for Credit One's no fee visa so I went for it and was approved for $1.5k. 

 

I also have the secured Chime CC that survived the BK so I do have three cards, not sure if I should garden for around 6 months and try for more then or if I should pick up one or two higher-limit secured CCs then wait the 6 months. Opinions are welcome, thank you.


Congratulations on your approvals.

 

I would go slowly on adding more accounts.


Total revolving limits 741200 (625200 reporting) FICO 8: EQ 704 TU 713 EX 684

Message 6 of 8
CreditAggie
Community Leader
Super Contributor

Re: Day of CH7 DC - Approvals!

Congratulations on your approvals!

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:                           Goal Cards:
    
Message 7 of 8
cashorcharge
Community Leader
Senior Contributor

Re: Day of CH7 DC - Approvals!

WooHoo!! Congratulations on your succesful rebuild and recent Approvals!!👏🏼🍾🥂

Message 8 of 8
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