@Anonymous wrote:
Rebuilding after ch13 was discharged a few months ago. I have no collections on my reports, just got the last one removed. I also have a healthy income (Sr. It guy).
Really excited to see what happens when the cap1 reports, and the SS reports to experian. They do report to experian right?
I put 5k through the cap1 this month, hope they give me a nice cli at the 61 day mark.
Not sure, i dont see why they wouldnt????
Just brace yourself once your scores hit 690 700, start looking at your overall spending, and get the cards where the bank pays YOU the most. themanwhocan's cash back charts are a great place to start for reference, on category spending cards, who gives free scores, and low rate cards. Also look in to high yield checking accounts should be no problem finding 2-6%, and also have a card with no bt fee and single digit APR in the event you need to carry a balance.
Just remember chase has rules of no more than 5 cards in 2 years, I see you in chase territory by the end of this year easily and as long as you didnt burn them previously you have to consider how valuable their sign up offers are right now, especially with the chase sapphire reserve/elite. As long as you arent getting a mortgage or car loan in the near future, have ample savings, etc, I always advocate a person take advantage of their credit inquiries. You can have experiences that you wouldnt normally be able to afford (well you maybe would but still the cost of first class rt airfare aint cheap). Check out www.reddit.com/r/awardtravel
They can save you a ton of money and also reward you quite a bit. Also check out motif investing it is a pretty cool way to buy split portions of stocks, my friends and I have had quite a bit of luck with it!
I am just really excited for this, I dont have my hopes held up high, but as long as I can get approved monday, I think I will benefit from this greatly.
