I feel they should be going up much more than this! Also the usage shows high despite available credit because of my Gma's Discover I am authorized on that has a 0$ balance.
+1 to above, I've been rebuilding for 7 months and have gained around the same amount of points as you, therefore MY rebuild is going slower.
@Anonymous wrote:It has been 3 months, You are averaging 60 point increase. That is not terrible. That is pretty good.
Exactly this. You're doing very well -- especially considering you have a dirty report. Keep doing what you're doing and try to be patient (i know it's hard).
I guess it’s because all the previous posts I have seen in the past about people having out of the jump amazing approvals after bk. I can’t even prequal for capital one. Although inqs are the reason I get for that.
Util isnt helping. You need to get below 8.99% aggregate util. 26% in rebuilding mode isnt the greatest thing to do. Also all cards should be the same as individuals at less than 8.99% reporting. Your doing fine. Get the util down for more points.
@Jnbmom wrote:
@FireMedic1 wrote:Util isnt helping. You need to get below 8.99% aggregate util. 26% in rebuilding mode isnt the greatest thing to do. Also all cards should be the same as individuals at less than 8.99% reporting. Your doing fine. Get the util down for more points.
I agree but don't understand how they are at 26% utilization with 464 total debt of 27K, am I missing something there??
I saw that. Maybe some things we dont know about like outstanding charge offs?
No outstanding charge offs anything negative was included in the bk7. The info button said they weren’t factoring in the discover card I’m authorized on into my utilization