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I may have credit card OCD !

Contributor

I may have credit card OCD !

Well not really, but I'm currently waiting impatiently for my second 6th month review for an increase with capital one. I've asked for 1 about 3 times in the past 4 months. I get the same message, sorry not available at this time.I am 21 months post Chapter 7 and my credit scores are poor, 598 TU, 598 EQ, 613 EX. What can I do to stop worrying about getting approved or applying at another bank? I've spent about 4K between April and September. No late payments. Credit Limit: $800.....
TU: 650 EQ: 625. EX: 629
| FLAGSHIP $12.5K [ NFCU cashRewards $10k [ PIER 1 $500 [ NORDSTROM $2000 [ MATTRESS FIRM $1,200
3 years Post Ch.7






Message 1 of 7
6 REPLIES
Established Contributor

Re: I may have credit card OCD !

There's a great thread here about how to build credit to 700 after bankruptcy, but I cannot remember the title to save my life. It has amazing info in there for how to do it right. Maybe someone can chime in with a link.

2/5/18 EX 738 TU 751 EQ 737 9% Util All reports on ice! Gardening again!
NFCU CR ($25,000) | BofA CR ($19,800) | Discover ($12,300) | BofA BBR ($7,000) | Amazon ($6,000) | Citi Costco ($7,900) | Marvel ($8,000) | Chase Amazon ($6,000) | Paypal MC ($8,000) | Barclay Apple ($4,300) | AMEX BCE ($12,000) | AMEX ED ($1,000) | Cap QS ($3,400) | GM Buy Power ($2,000) | Citi DC ($2,700) | Wayfair ($9,400) | Victoria's ($4,000) | NFCU CLOC ($15,000) | Tiffany & Co ($1,000)
Message 2 of 7
Valued Contributor

Re: I may have credit card OCD !

Are the scores listed in your signature FICO or FAKO?  Where do you obtain your scores from?  Seeing that you have had this card for 8 months, I would suggest you apply for Barclay's.  

Barclay Reward MC 750|Cabela's 1k|Capital One QS1 3.4k|
|Sony Card 3.5k|
Message 3 of 7
Contributor

Re: I may have credit card OCD !

What's FAKO? I got my scores from each credit bureau. Barclays would approve me with such low scores?
TU: 650 EQ: 625. EX: 629
| FLAGSHIP $12.5K [ NFCU cashRewards $10k [ PIER 1 $500 [ NORDSTROM $2000 [ MATTRESS FIRM $1,200
3 years Post Ch.7






Message 4 of 7
Community Leader
Valued Contributor

Re: I may have credit card OCD !

FAKO is a fake FICO, basically. It's actually a non-Fico score. And if I'm not mistaken, the CRA's provide FAKOs. Get your scores from Creditchecktotal for $1 (7 day trial) or here
Message 5 of 7
Frequent Contributor

Re: I may have credit card OCD !

Don't go by the scores on CK they are FAKO's, it is a great site to go for reporting on credit report only.

Message 6 of 7
Contributor

Re: I may have credit card OCD !

ok. thanks
TU: 650 EQ: 625. EX: 629
| FLAGSHIP $12.5K [ NFCU cashRewards $10k [ PIER 1 $500 [ NORDSTROM $2000 [ MATTRESS FIRM $1,200
3 years Post Ch.7






Message 7 of 7