I've been waiting patiently until I was in a full year of credit card rebuild with Barclay, CapOne, and Merrick. I put most of my expenses on CapOne, ahead of Barclay. I put monthly utilties bills on Merrick, that's it. I'm also 25 months post CH7 DC.
My scores that I pulled as of today with Equifax is:
FICO8 - 675
FICO8 Bankcard - 683
FICO9 Bankcard - 686
My charged off Navient account has fell off this month.
I app'd for Pathfinder and had a long processing time before being approved at $10,000 at 17.99% APR. I can breathe...I can BREATHE!
Congratulations! Penfed is on my list of future aquisitions.
Please let me know when you buy it, maybe then i can app for sonething and actually get approved