Re: Day of CH7 DC - Approvals! - myFICO® Forums

willwar14 · ‎01-24-2023

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

EAT_SLEEP_JEEP · ‎01-24-2023

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

KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $6000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $33,000/WELLS FARGO AUTOGRAPH $8200 CL /

SOCK DRAWERED/ FNBO JEEP CARD $7700/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700

KingRue8500 · ‎01-24-2023

Congrats on your approvals

mgood · ‎01-24-2023

Congrats on the new approvals!

I'd try gardening for at least 3 months.

$17,500 Chase Sapphire Preferred Visa Signature 01/23

$17,500 Chase Amazon Prime Rewards Visa Signature 05/23

$12,000 Chase Freedom Flex World Elite Mastercard 05/21

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$22,000 Wells Fargo Autograph Visa Signature 10/21

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Shopper Cash Rewards Visa Signature 12/23

$13,900 Citi Custom Cash World Elite Mastercard 07/22

$5,850 Capital One SavorOne World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$4,000 Eddie Bauer (Comenity Bank) 05/16

$1,000 American Express Blue Cash Preferred 04/24

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 778, TU8 766, EX8 770 as of April 23
Goal Score: EQ8 780, TU8 780, EX8 780
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AZE4 - 2% Utl - New Accts: 3/6, 4/12, 7/24

StephenH · ‎01-24-2023

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 ---> PC Savor One
Cap One QS1 08/2021 3K SL ---> CLI 5.5K ---> PC QS (no AF) ---> PC Venture ---> PC QS
Penfed PCR 12/2022 12.5K SL

Installment Loan 08/2021 ( PIF)
Student Loan 09/2014 10K remaining

As of 04/2024:
FICO 8: 707 EX, 701 EQ, 703 TU

SouthJamaica · ‎01-24-2023

@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.