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I’m one year into my rebuild after BK7...


I’m one year into my rebuild after BK7...

...and it’s going okay.

Scores are back up to the mid 600’s but still fluctuate occasionally.

I’ve posted my scores in my siggy and wondered how often those in my same situation UPDATE their siggy scores?

This might be a silly question but I was bored at work and missed you guys!

Message 1 of 4
Regular Contributor

Re: I’m one year into my rebuild after BK7...

I update my scores every time they change. Could be weekly, or monthly. I'm kind of addicted to checking though 😂
BK7 DC 1/2/2018

Business Credit: Uline Net 30, Quill Net 30, Capital One Spark, BP (Fleetcor) Net 12

Starting Score: 512 Experian Fico 1/7/2018
Current Score: EXP 633 // TU 631 // EQ (unknown)
Goal Score: 700+ across the board by 2020

Seedling planted 1/7/19, gardening indefinitely.
Message 2 of 4
New Contributor

Re: I’m one year into my rebuild after BK7...

You know I check my scores twice a day. 😂 it’s funny but it’s my drug. I update my sight scores every months. 👍
Date 07/01/2018

Message 3 of 4
Valued Contributor

Re: I’m one year into my rebuild after BK7...

I'm about twenty months now into seriously working on my rebuild; I got my (now-closed) Capital One secured Platinum at the end of 2015, but didn't really start thinking seriously about rebuilding credit until Thanksgiving 2016 when I got my Amazon Store Card. At this point, actually, when I have ten cards totalling $81,800 in revolving credit, I'm not sure if I technically count as a "rebuilder" anymore. Anyway, I do try to update the scores in my signature as often as I can, though I sometimes forget especially if the change is just a couple of points one way or another.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO 10/15/18:TU 671 FICO 8 or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 682 FICO 9 (NFCU 9/30), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 4 of 4