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Hi TamDom! BK7 discharged Nov-15, and I waited 6 months before starting my rebuild.
| Date | EQ Alert | EQ Score | TU Alert | TU Score | EX Alert | EX Score | My Action |
| May-16 | Hardpull CredOne | Unk | App for CreditOne/Approved SL $400 | ||||
| May-16 | CLI CreditOne $200/Total SL $600 | ||||||
| Jun-16 | Hardpull Cap1 | Unk | Hardpull Cap1 | Unk | Hardpull Cap1 | Unk | App for Capital One/Approved SL $3000 |
| Jun-16 | (Baseline-0 Accounts) | 632 | (Baseline-0 Accounts) | 576 | (Baseline-O Accounts) | 619 | Began MyFICO 3B Monitoring |
| Jun-16 | Added Acct-CredOne | 665 | |||||
| Jul-16 | Bankcard Bal $256 Cap1 | 603 | Added Acct-Cap1 | 668 | |||
| Jul-16 | Added Acct-Cap1 | 659 | Hardpull Disco | 668 | App for Discover It/Approved SL $1000 | ||
| Jul-16 | Hardpull Disco | 657 | |||||
| Jul-16 | SCT (softpull) for Victoria's Secret/Approved SL $500 | ||||||
| Jul-16 | Hardpull NFL | 603 | 665 | App for NFL Extra Points/Approved SL $3500 |
I got my BCE with a 630, 2 collections (medical), 3 other lines of credit. one line being 2 years old.
I started with a 500 SL though and normal high APR like 23%.
Once I removed the collections I was offered the PRG and platinum. I took the Gold Card.
I do have 100% payment history. A plus I think AMEX appreciates.
Not sure exactly (they do not seem to tell you the score they pulled) but I think I applied for my Discover IT on the same evening. The score Discover said they pulled was Exp 665.
I had a few years of good history with Capital One Platinum when I applied.
@Anonymous wrote:
@Anonymous I'm working towards the BCE as I like what offers in top of I'm at the grocery store at least 3 times a week. From what I've seen is they seem to like scores around 650 and up. So I have some work to do.
If you spend over $70 a week at the grocery store, skip the Everyday and apply for the Blue Cash Preferred. Not sure why people even bother with the Everyday unless it's a sock drawer filler... You can get the BoA Cash Rewards and you're not limited to slow, limited cash redemption options and it's a Visa/Visa Signature.