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Hello everyone! I have been rebuilding since filing a Chp13 in 2010. I started off opening a secured US Bank card with a CL of 500 in May 2015. I used the card very sparingly for a year and tried to unsecure in May 2016 and was declined as the BK was still showing. I kept chugging along wondering if I would ever have unsecured credit. Shortly thereafter I opened a Gamestop Comenity card as I kept getting offers and shopped there once in a while.
Fast forward to this February where I opened a Discover IT secured w/ 200 CL. Then as my BK fell off of Equifax I took a chance with my bank, Huntington, on the Huntington Voice card in March. APPROVED $10K SL. c At that time I was showing a 740 EQ
I was in shock and then I found this forum.
Since then I have minimized my utilization across the board. Under 9%
In April I applied for preapproval with Honda Financial. Preapproved with Transunion at 740. Left the dealership with a new Honda Civic Hatchback 1.9% financing.
Still wanting my $500 back from US Bank I decided to call and asked that it be unsecured. Since I already bought the car I wasnt as concerned with the HP. The rep said I would hear from them in 7-10 days. A couple of days later I noticed they closed my previous account number and then a few days after my new Unsecured Visa Platinum came in the mail. Still 500 CL but thats fine,
On a ROLL.....
I kept reading the forums and realized I had no inquiries on Experian.... None. I tried to prequalify with Am EX and there was nothing available. I knew I had a 781 with Experian and just had to TAKE A CHANCE!
APPROVED for $6000 SL on AMEX BCE. EX 781. Now 779 After the HP.
This is unbelievable to me. What a spring it has been!
Thank you guys for all the great advice and data points as I have been lurking and responding once in a while. This is proof with patience and a lot of planning you can rebuild after a time of learning and reflecting.
TU 742/ EX 779 / EQ 761
AAoA 6.1 years. -Student loans
Congrats on the new Amex and successful rebuild. Good job
Very impressive rebuid!! Congrats and welcome to the AMEX family. BTW...heck of a interest rate on your car...great story..keep up the good work!!
Great Achievement & wonderful Self-Discipline!
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WOW! That's awesome. I just started my rebuild in March and I love reading stories like yours for inspiration. Congrats!
@Anonymous wrote:Hello everyone! I have been rebuilding since filing a Chp13 in 2010. I started off opening a secured US Bank card with a CL of 500 in May 2015. I used the card very sparingly for a year and tried to unsecure in May 2016 and was declined as the BK was still showing. I kept chugging along wondering if I would ever have unsecured credit. Shortly thereafter I opened a Gamestop Comenity card as I kept getting offers and shopped there once in a while.
Fast forward to this February where I opened a Discover IT secured w/ 200 CL. Then as my BK fell off of Equifax I took a chance with my bank, Huntington, on the Huntington Voice card in March. APPROVED $10K SL. c At that time I was showing a 740 EQ
I was in shock and then I found this forum.
Since then I have minimized my utilization across the board. Under 9%
In April I applied for preapproval with Honda Financial. Preapproved with Transunion at 740. Left the dealership with a new Honda Civic Hatchback 1.9% financing.
Still wanting my $500 back from US Bank I decided to call and asked that it be unsecured. Since I already bought the car I wasnt as concerned with the HP. The rep said I would hear from them in 7-10 days. A couple of days later I noticed they closed my previous account number and then a few days after my new Unsecured Visa Platinum came in the mail. Still 500 CL but thats fine,
On a ROLL.....
I kept reading the forums and realized I had no inquiries on Experian.... None. I tried to prequalify with Am EX and there was nothing available. I knew I had a 781 with Experian and just had to TAKE A CHANCE!
APPROVED for $6000 SL on AMEX BCE. EX 781. Now 779 After the HP.
This is unbelievable to me. What a spring it has been!
Thank you guys for all the great advice and data points as I have been lurking and responding once in a while. This is proof with patience and a lot of planning you can rebuild after a time of learning and reflecting.
TU 742/ EX 779 / EQ 761
AAoA 6.1 years. -Student loans
Congratulations on your rebuild! I can't wait until my BK falls off (Chap 7 in 2009). My rebuild is going well also. Glad to see its working out for you as well!