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Hello everybody and long time reader first time poster,I figure I owe this gtreat community my very bumpy road to getting back on track with my credit and also give a little info on what worked for me so far which is not much,but I know there's a lot out there in same situation as me denied after denied for credit,so IM going to post what I got and when after BK discharged in July 2011
warning:I applied and got like 20hits/inquiries on my report and I know that's a bad thing but I was desperate to rebuild,my score was 431 Equifax,Trans union 425,experian 463,so forward to today its still not the best but IM sitting at 564,589,599
the cards I have are:
Walmart --200 credit limit
Cap one---500 limit
cap one ----500 limit
cap one 750 limit
CFNA-Firestone--1400 limit
Khols----300 limit
Capital one Auto loan/blank check program--approved 20,100 at 17.99 percent interest 6 months after BK
originally had first premier and horizon secured cards oth at 300,closed them and score dropped about 20 points
so for those thinking and ned to rebuild ASAP,my process was secured card one month after bk(first premier,and horizon) I then waited 3 months and applied cap one got 300 limit and credit steps programs,2 months alter applied CFNA for 800 limit and then I applied for 2 more cap one and then walmart and then khols,I got all these cards with a low score of 507,don't know how much this posts helps but I know I see a lot of people asking which cards approve after bk ith low scores and that's my experience so far,thanks
@spade007 wrote:Hello everybody and long time reader first time poster,i figure i owe ths gtreat community my very bumpy road to getting back on track with my credit and also give a little info on what worked for me so far which is not much,but i know theres alot out there in same situation as me denied after denied for credit,so im going to post what i got and when after BK discharged in july 2011
warning:i applied and got like 20hits/inquiries on my report and i know thats a bad thing but i was desperate to rebuild,my score was 431 Equifax,Trans union 425,experian 463,so forward to today its stil not the best but im sitting at 564,589,599
the cards i have are:
Walmart --200 credit limit
Cap one---500 limit
cap one ----500 limit
cap one 750 limit
CFNA-firestone--1400 limit
Khols----300 limit
oroginally had first premier and horizon secured cards oth at 300,closed them and score dropped about 20 points
so for those thinkin and ned to rebuild asap,my process was secured card one month after bk(first premier,and horizon) i then waited 3 months and applied cap one got 300 limit and credit steps programs,2 months alter applied CFNA for 800 limit and then i applied for 2 more cap one and then walmart and then khols,i got all these cards with a low score of 507,dont know how much this posts helps but i know i see alot of people asking which cards approve after bk ith low scores and thats my experience so far,thanks
Welcome to the forum
Congrats you are well on your way to a brighter financial future
Keep up the good work
I invite you to join the garden thread and plant those seedlings to age INQ's,cards and increase AAoA
Thanks for sharing
Welcome to the forum. I am glad to see you are now posting rather than just reading. Everybody has their own unique experiences that we can all learn from so thank you. I would definetly suggest planting those seedlings and letting them grow. While the CL's are not as high as you may want, if you use the cards, pay them on time, and let them grow, you will find your score climbing in no time.
I have been reading this forum for quite some time and have learned A LOT. Thanks to the wonderful people on myFICO forums, my score has increased substantually and I have become more comfortable with my credit. I generally do not like talking about my credit history with friends and family so this is the perfect place for me. You will get plenty of support with very few people judging. The people who do judge are just jerks, haha.
Good luck in the future and we all hope to see your journey go to a positive place.