Discharged in July - current scores Fico 8 - EQ 615, TU 550, EX 580
When filed - had to wait three months without making payments per attorney so that we would pass the means test. Husband was laid off work, job loss due to covid. My file does show late payments shows 16 lates 30+ days. Prior to that I had never missed a payment and have alot of good standing accounts that were closed due to the filing of Chapter 7 petition. I did burn some big card names, JPMC, USBANK, Discover personal loan, BOA, Amex, Care Credit. I have checked my reports and everything is listed as IIB, zero balance. I'm also co-signed on a student loan for my daughter which just updated on EX which cost me a -17 point drop July 23rd. I'm not sure why it updated so late.
Currently, I've done the following since discharge:
Mortgage Loan - kept the home, always paid on time
Pottery Barn - credit cards survived bankruptcy with history - zero balance
Bank LOC - $1,000 (can borrow against it and pay back to build credit, currently have not used but does report as an account on all 3 CB's
Credit Union Loan - had to borrow against my car that was paid in full in order to keep during BK7. Borrowed $10,000 current, no lates (only reports to EQ)
Capital One Mastercard - $3,000 credit line - applied right after discharge (have not used yet)
Member of Penfed, checking & savings in hopes to eventually build credit with them in the future - have heard takes at least a year after BK
Member of NFCU - just joined waiting on my bank card in the mail so I can open the NRewards Secured Card and continue to build
Would this be enough to get me started in the right direction or do I need another card in order for it to be considered the three major cards?
- - Due to one being a store card (Pottery Barn, I did place an order from them so it would have new activity but hasn't posted yet due to backorder).
