Thanks for the replies
As far as my current data points:
--No collections
--BK 7 discharged in December 2016
-Transunion FICO 8 (provided by Discover)-645 score as of 3-17-19, 7 inquiries, total accounts 35, 12 years length of credit, 10% utilization
-Transunion FAKO (provided by CreditKarma)-649 score as of 3-24-19, 37 inquiries, 36 total accounts, "age of credit history" is 1 year, 9 months, 9% utilization
Current Accounts:
- Federal student loan--$61,496--currently in deferment as I am a half-time student this semester, no lates
- Navient student loan--$17,014--currently in deferment as I am a half-time student this semester, no lates (will be paying these off for life)
- Capital One Auto Loan--$12,083--this loan has been closed/refinanced with DCU Credit Union but hasn't been updated (no lates, 14 payments)
- DCU Credit Union Auto Loan--$12,000--went from 13.6% APR to about 6%--first payment due April 3rd (not on credit reports yet)
- UW Credit Union Visa--$753 out of $1500 credit limit--trying to pay this down, (opened May 2017, no lates)
- DCU Credit Union Visa--$0 out of $3000 limit, just got this card, haven't used it, (opened 1-19, no lates)
- Discover IT card--$690 out of $2200 credit limit--just made an $800 payment to get this card down to where it is now, trying to pay it down (opened Sept. 2017, no lates)
- First Citizens Bank Creditbuilder Loan--$470 out of $1000 loan--want this paid off soon--get $1000 cash when paid off, (opened 9-17, no lates)
- Comenity Overstock store card--$316 out of $1130 limit--bought a refurbed laptop--want this paid off soon too (opened 11-17, no lates)
- Comenity Williams-Sonoma store card--$0 out of $1500 limit--no purchases made on this (opened 12-18, no lates)
- Synchrony Old Navy store card--$0 out of $200 limit--used a couple times (opened Dec. 2017, no lates)
- Comenity Century21 store card--$0 out of $400 limit--no purchases made on this (opened 2-18, no lates)
- Comenity Venus store card--$0 out of $250 limit--no purchases made on this (opened 1-19, no lates)
- Comenity Kingsize store card--$0 out of $250 limit--no purchases made on this (opened 8-18, no lates)
- Comenity Victorias Secret store card--$0 out of $350 limit--used once (opened 11-17, no lates)
- Capital One Menards store card--$0 out of $500 limit--used a few times (opened 12-17, one 30 day late Feb 18, will not remove)
- Synchrony Amazon store card--$0 out of $200 limit--used a few times in the past (opened 11-17, no lates)
- Synchrony CareCredit store card--$0 out of $4,500 limit--never used, afraid they will cancel me if I don't use (opened 1-19, no lates)
- Comenity New York & Co store card--$0 out of $250 limit--never used (opened 8-18, no lates)
- Comenity Wayfair store card--$0 out of $2000 limit--never used (opened 3-19, no lates)
- Comenity J Crew store card--$0 out of $250 limit--never used (opened 11-17, no lates)
- Comenity Brylynn Home store card--$0 out of $250 limit--never used (opened 8-18, no lates)
CLOSED accounts
- Capital One Boston Store--$0 out of $200 limit, closed (was included in bankruptcy) remarks say "dispute resolved, reported by grantor"
- This card shows as "current, closed" and opened 11-2006
- UW Credit Union Visa--$0 out of $1500, closed (this was a secured card that I asked to be upgraded to unsecured, opened May 2017)
- Synchrony Care Credit store card--$0 out of $500 (auto closed due to inactivity, opened 11-17, no lates)
- Wisconsin Electric--$0--(electric bill, not sure why on here, opened 10-17, no lates)
- Honda Financial Auto Loan--$0--(car loan after lease was continued after bankruptcy, opened 9-17, no lates)
- Guaranty Bank Creditbuilder--$0--(cashed out loan 8-16, opened 8-15, no lates)
- Capital One Auto Finance--$0--(opened 4-12, closed 5-12, no lates, leased a car instead)
- (THE BAD is BELOW
- Citibank Visa Card--$0 out of $18,000 original line (opened 4-13, included in Bankruptcy, says so on reports)
- Chase Visa Card--$0 out of $1,100 original line (opened 5-2006, included in Bankruptcy, says so on reports)
- American Express--$0 out of unknown line on report ($2000) (opened 3-13, included in Bankruptcy, says so on reports)
- American Express--$0 out of unknown line on report ($11,000) (opened 3-13, included in Bankruptcy, says so on reports)
- Bank of America Visa--$0 out of $2,000, (opened 3-13, included in Bankruptcy, says so on reports)
- Capital One Visa--$0 out of $1,000, (opened 1-2011, included in Bankruptcy, says so on reports)
- Capital One Visa--$0 out of $750, (opened 5-2010, included in Bankruptcy, says so on reports)
- American Honda Finance Lease--$0--(kept the lease, but still shows up as Bankruptcy on reports, never late, opened 5-2012)
As you can see I burned quite a few companies: AMEX, Capital One, Bank of America and CITI. My auto lease, even though I kept it and continued making the payments and then turned it into an auto loan with Honda, still shows as "included in bankruptcy."
I am working on getting my utilization down, right now it shows as about 9% OVERALL, which is good. Those store cards, although many may think they're wasteful, added a ton of available credit to my overall credit lines.
Also, just opened a Comenity BOSCOV's store card with $250 initial line, asked for an increase now its $1,050, but not showing on my report yet.
According to EXPERIAN, FICO 8 (provided by Experian free app): Score: 619, open accounts: 20, revolving accounts: 26, installment accounts: 10
Suggestion: Possibly make this a new thread Hockeypnc1, if you want help with your own credit situation. It is now well off the original topic.
@Hockeypnc1 wrote:Thanks for the replies
As far as my current data points:
--No collections
--BK 7 discharged in December 2016
-Transunion FICO 8 (provided by Discover)-645 score as of 3-17-19, 7 inquiries, total accounts 35, 12 years length of credit, 10% utilization
-Transunion FAKO (provided by CreditKarma)-649 score as of 3-24-19, 37 inquiries, 36 total accounts, "age of credit history" is 1 year, 9 months, 9% utilization
Current Accounts:
- Federal student loan--$61,496--currently in deferment as I am a half-time student this semester, no lates
- Navient student loan--$17,014--currently in deferment as I am a half-time student this semester, no lates (will be paying these off for life)
- Capital One Auto Loan--$12,083--this loan has been closed/refinanced with DCU Credit Union but hasn't been updated (no lates, 14 payments)
- DCU Credit Union Auto Loan--$12,000--went from 13.6% APR to about 6%--first payment due April 3rd (not on credit reports yet)
- UW Credit Union Visa--$753 out of $1500 credit limit--trying to pay this down, (opened May 2017, no lates)
- DCU Credit Union Visa--$0 out of $3000 limit, just got this card, haven't used it, (opened 1-19, no lates)
- Discover IT card--$690 out of $2200 credit limit--just made an $800 payment to get this card down to where it is now, trying to pay it down (opened Sept. 2017, no lates)
- First Citizens Bank Creditbuilder Loan--$470 out of $1000 loan--want this paid off soon--get $1000 cash when paid off, (opened 9-17, no lates)
- Comenity Overstock store card--$316 out of $1130 limit--bought a refurbed laptop--want this paid off soon too (opened 11-17, no lates)
- Comenity Williams-Sonoma store card--$0 out of $1500 limit--no purchases made on this (opened 12-18, no lates)
- Synchrony Old Navy store card--$0 out of $200 limit--used a couple times (opened Dec. 2017, no lates)
- Comenity Century21 store card--$0 out of $400 limit--no purchases made on this (opened 2-18, no lates)
- Comenity Venus store card--$0 out of $250 limit--no purchases made on this (opened 1-19, no lates)
- Comenity Kingsize store card--$0 out of $250 limit--no purchases made on this (opened 8-18, no lates)
- Comenity Victorias Secret store card--$0 out of $350 limit--used once (opened 11-17, no lates)
- Capital One Menards store card--$0 out of $500 limit--used a few times (opened 12-17, one 30 day late Feb 18, will not remove)
- Synchrony Amazon store card--$0 out of $200 limit--used a few times in the past (opened 11-17, no lates)
- Synchrony CareCredit store card--$0 out of $4,500 limit--never used, afraid they will cancel me if I don't use (opened 1-19, no lates)
- Comenity New York & Co store card--$0 out of $250 limit--never used (opened 8-18, no lates)
- Comenity Wayfair store card--$0 out of $2000 limit--never used (opened 3-19, no lates)
- Comenity J Crew store card--$0 out of $250 limit--never used (opened 11-17, no lates)
- Comenity Brylynn Home store card--$0 out of $250 limit--never used (opened 8-18, no lates)
CLOSED accounts
- Capital One Boston Store--$0 out of $200 limit, closed (was included in bankruptcy) remarks say "dispute resolved, reported by grantor"
- This card shows as "current, closed" and opened 11-2006
- UW Credit Union Visa--$0 out of $1500, closed (this was a secured card that I asked to be upgraded to unsecured, opened May 2017)
- Synchrony Care Credit store card--$0 out of $500 (auto closed due to inactivity, opened 11-17, no lates)
- Wisconsin Electric--$0--(electric bill, not sure why on here, opened 10-17, no lates)
- Honda Financial Auto Loan--$0--(car loan after lease was continued after bankruptcy, opened 9-17, no lates)
- Guaranty Bank Creditbuilder--$0--(cashed out loan 8-16, opened 8-15, no lates)
- Capital One Auto Finance--$0--(opened 4-12, closed 5-12, no lates, leased a car instead)
- (THE BAD is BELOW
- Citibank Visa Card--$0 out of $18,000 original line (opened 4-13, included in Bankruptcy, says so on reports)
- Chase Visa Card--$0 out of $1,100 original line (opened 5-2006, included in Bankruptcy, says so on reports)
- American Express--$0 out of unknown line on report ($2000) (opened 3-13, included in Bankruptcy, says so on reports)
- American Express--$0 out of unknown line on report ($11,000) (opened 3-13, included in Bankruptcy, says so on reports)
- Bank of America Visa--$0 out of $2,000, (opened 3-13, included in Bankruptcy, says so on reports)
- Capital One Visa--$0 out of $1,000, (opened 1-2011, included in Bankruptcy, says so on reports)
- Capital One Visa--$0 out of $750, (opened 5-2010, included in Bankruptcy, says so on reports)
- American Honda Finance Lease--$0--(kept the lease, but still shows up as Bankruptcy on reports, never late, opened 5-2012)
As you can see I burned quite a few companies: AMEX, Capital One, Bank of America and CITI. My auto lease, even though I kept it and continued making the payments and then turned it into an auto loan with Honda, still shows as "included in bankruptcy."
I am working on getting my utilization down, right now it shows as about 9% OVERALL, which is good. Those store cards, although many may think they're wasteful, added a ton of available credit to my overall credit lines.
Also, just opened a Comenity BOSCOV's store card with $250 initial line, asked for an increase now its $1,050, but not showing on my report yet.
According to EXPERIAN, FICO 8 (provided by Experian free app): Score: 619, open accounts: 20, revolving accounts: 26, installment accounts: 10
Oops! I meant create your OWN post 
Definitely don't want to hijack someone else's.
I believe you have done enough for a long time. You really didnt need another Comenity card or the credit rebuilder loans. Comenity is known to shut down cards if you have too many of their cards or if they feel spooked. Theres a place in the garden for ya in the personal finance section. I wouldn't app for the next couple years. Too many inq's and new accounts have to age now. Let your scores work now. You've done enough. More than enough. Congrats on your rebuild. But the time has come to say like many do as myself said. Mission Complete. Rebuild is done.
