@Anonymous wrote:
Hi everyone. I have been reading and learning on this site about 2 weeks now. I figured it was time to jump in and start my rebuild. I know it wont be a quick and easy process but from what i have read on here, its not as much a black hole as i had once thought. Thanks to all the great posts i have read, i'm starting to work on my baddies and despite my low score, i have already been approved for both a cap1 and discover secured card. (avoided cc's for almost a decade cuz of my first ever cc that was sub-prime but i didnt know any better then) i figured being secured no one got rejected, but i have been seeing posts on here and some friends that tried after i did and didnt get it. i currently have an fha (before my cs went bottoms up due to emp/med reasons), so i'm not really needing that, just want to get my score/report fixed so that if i need something down the road i can get it easier.
2 cards in, and 9 baddies(one synchrony/belk CO) to go.
Having filed both ch13 and ch7 bk in my life time I can state for a fact...Anyone can get into the 800+ club across the board...let your mistakes of the past, stay in your past. You, and you alone are in control of your future. You can do this, and there is lots of room in the 800 club.
TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
