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HybridGunz Rebuild Adventure

HybridGunz
Regular Contributor

HybridGunz Rebuild Adventure

Hello All,

 

I wanted to start my own thread to document my rebuild journey. Also just to keep all my credit changes and updates organized in one spot. I'll start giving a quick recap....

 

Sep. 2013 - Filed for Chapter 13 Bankruptcy with a 5 year repayment plan (During this time I paid off two vehicles)

Oct. 2018 - Bankruptcy was Discharged (The FUN begins) CK scores in the high 500's 

                   - Became an Authorized User on Chase Amazon Prime $8,300 sl, new account

                   - Applied and Approved for Capital One Platinum $3,000 sl

Nov. 2018 - Purchased 2018 Ford 150 at 5.11% with PNC Bank 

Dec. 2018 - Applied and Approved for Ollo Rewards Card $500 sl

Feb. 2019 - I joined this Forum and checked my FICO scores (See Siggy)

                   - Applied and Approved for Discover It Cashback $2,500 sl

Mar. 2019 - Applied and Approved for Amex Gold with $3,000 Pay over time

 

Tonight, I just PC'd my Capital One Platinum to the Quicksilver. So that's where I'm at currently. I feel I've set a good foundation to work with. My Cap1 and Ollo cards should be receiving auto CLI here in the next couple months so I'll update when that happens. My main focus now is to garden for a while. Hit the minimum spend for the SUB on the Amex Gold and after that take advantage of the first year cashback match on the Discover. See you next Update.....

 

 




Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 1 of 10
9 REPLIES 9
gdale6
Moderator

Re: HybridGunz Rebuild Adventure

Great job so far, keep up the good work.
Message 2 of 10
FiresOut
Super Contributor

Re: HybridGunz Rebuild Adventure

Excellent. Thats how you do it. How long ago did you get your Cap1 card?

Message 3 of 10
HybridGunz
Regular Contributor

Re: HybridGunz Rebuild Adventure


@FiresOut wrote:

Excellent. Thats how you do it. How long ago did you get your Cap1 card?


I got the Cap 1 about 4.5 months ago. I'm one payment away from the auto CLI. 




Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 4 of 10
800FICOGoal
Established Contributor

Re: HybridGunz Rebuild Adventure

 Great job!!! Stick to your plan and those scores will continue to rise.











Current

Goal Cards

Message 5 of 10
Chafor2222
Valued Member

Re: HybridGunz Rebuild Adventure

Good job!!! I’m dying to app for American Express, keep getting denied!! My fico 8 just hit 659 today!! (Experian) the other two are 659, did u have any prequalz before u pulled the trigger?i checked and no prequals from American Express... what will ur next move be?
Message 6 of 10
FiresOut
Super Contributor

Re: HybridGunz Rebuild Adventure


@HybridGunz wrote:

@FiresOut wrote:

Excellent. Thats how you do it. How long ago did you get your Cap1 card?


I got the Cap 1 about 4.5 months ago. I'm one payment away from the auto CLI. 


You can ask now for a SP CLI before Credit Steps kicks in. Good Luck!

Message 7 of 10
HybridGunz
Regular Contributor

Re: HybridGunz Rebuild Adventure

@Chafor2222 I was pre-qualified for the Delta Gold, Green and Gold cards when I applied for the Amex Gold.



Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 8 of 10
HybridGunz
Regular Contributor

Re: HybridGunz Rebuild Adventure

@ FireMedic1 Just requested, got a wait 2 days for them to review.



Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 9 of 10
HybridGunz
Regular Contributor

Re: HybridGunz Rebuild Adventure


@FiresOut wrote:

@HybridGunz wrote:

@FiresOut wrote:

Excellent. Thats how you do it. How long ago did you get your Cap1 card?


I got the Cap 1 about 4.5 months ago. I'm one payment away from the auto CLI. 


You can ask now for a SP CLI before Credit Steps kicks in. Good Luck!


So Cap 1 said no go on the CLI, said my use of credit was too low. Kinda suprised I ran up over $1000 last month, however I PIF before the statement cut. Oh well, I'll be getting that auto CLI next month. Just hope it'll be more than the $500 they say it will be.




Starting FICO-8 as of February, 2019:

Current FICO-8 as of August, 2020:

Message 10 of 10
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