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Rebuild is going terrible! See pics below.

Anonymous514
Established Contributor

Rebuild is going terrible! See pics below.

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.image0 (1).png3B acc stats.png



Message 1 of 22
21 REPLIES 21
Morpho
Valued Contributor

Re: Rebuild is going terrible! See pics below.

It has been 3 months, You are averaging 60 point increase. That is not terrible. That is pretty good.

Message 2 of 22
OmarGB9
Community Leader
Super Contributor

Re: Rebuild is going terrible! See pics below.

+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.

Last App: 12/27/2021
Penfed Power Cash Rewards Visa Signature

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 22
thornback
Senior Contributor

Re: Rebuild is going terrible! See pics below.

@Morpho 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). 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 4 of 22
Jnbmom
Community Leader
Super Contributor

Re: Rebuild is going terrible! See pics below.

I agree you have 11 lates reporting and still have a decent score it could be so much worst.

 

 

EXP 778 TU790 EQ 752
Message 5 of 22
Anonymous514
Established Contributor

Re: Rebuild is going terrible! See pics below.

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.


Message 6 of 22
FireMedic1
Community Leader
Super Contributor

Re: Rebuild is going terrible! See pics below.

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.





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 7 of 22
Jnbmom
Community Leader
Super Contributor

Re: Rebuild is going terrible! See pics below.


@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??

EXP 778 TU790 EQ 752
Message 8 of 22
FireMedic1
Community Leader
Super Contributor

Re: Rebuild is going terrible! See pics below.


@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?





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 9 of 22
Anonymous514
Established Contributor

Re: Rebuild is going terrible! See pics below.

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


Message 10 of 22
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