Bankruptcy

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My Credit Journey as an FYI to help others

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5 Replies

2134 Views

My post BK journey and some data points...

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3 Replies 3037 Views

3 Replies

3037 Views

Labels

"Approval" 1
"bankruptcy" "payments" "whats paid" 4
$1000 1
1 1
13 2
2 Bankruptcies 6
2nd loan 1
341 Meeting 16
341 Meeting on 6-12-19 1
342 1
700 club 1
722 redemption 3
@FireMedic1 1
abroad 1
Account Status 1
Accounts 1
adversary proceeding 2
Adverse Action 1
Advice 4
advice needed 1
affirm 1
Affirmation Agreement 1
after bankruptcy 3
After BK 2
After BK reporting 1
after discharge 1
agencies 1
Alaska Airlines 1
Alaska airlines Bank of America 1
Alliant 1
Alliant Credit Union 1
ally 2
amazon store card 1
Amazon Synchrony 1
america first credit union 1
American Express 4
American Infosource 1
AmEx 7
AMEX APPROVAL BANKRUPTCY 6
Amex Approved 1
Amex blacklisted 1
Amex plat 1
Amex preapprovals 1
amx rebuild bankruptcy help advice 1
annual fee 1
Apartment Renting 1
apartments 1
App Spree 5
App spree Approvals Gardening 2
Apple Card 1
Application 4
Application approval 1
Application Help 4
approval 4
Approval odds 2
Approval Post Discharge 8
approval with bankruptcy 1
Approvals 4
Approvals and CLI 3
Approved 2
APR 1
Arizona 1
assets protection 1
AT&T 1
attorney 1
AU 2
AU on US Bank Signature Visa 10k 1
Audi 1
Authorized User 9
Authorized user is filing for BK 4
Auto 5
Auto CLI 1
auto financing 1
auto financing after bankruptcy 2
auto financing during bankruptcy 1
Auto lease 3
Auto Lending 1
Auto Loan 39
auto loans 6
auto navigator 1
Auto purchase 3
Auto refi 1
Auto refinance 8
Auto repo 3
Automatic Upgrade 1
Avis 1
B4 BK7 As of 10.18.23 FICO 8: EQ 675 1
bad credit 2
bad debt 1
Balance transfer 2
bank 1
Bank of America 1
Bankcrupties Credit 3
Banking 3
bankrtuptcy 2
bankrucpy 1
bankrupcty late payments 1
Bankrupcy 44
Bankrupcy ch13 rebuild 1
bankrupt 1
bankruptcy 444
Bankruptcy - Chapter 13 - Job Contract 1
bankruptcy 7 2
Bankruptcy and Credit Cards 35
Bankruptcy and Personal loans 3
bankruptcy chapter 13 25
Bankruptcy Chapter 7 340
Bankruptcy chapter 7 chapter 13 8
bankruptcy credit alerts 1
Bankruptcy credit cards 4
Bankruptcy credit one score 1
Bankruptcy deletion 3
Bankruptcy deletion process 2
Bankruptcy Dismissed 1
Bankruptcy PenFed 4
Bankruptcy prevention 3
Bankruptcy Rebuild 8
Bankruptcy reported incorrectly 3
Bankruptcy scoring 1
Bankruptcy. Fico score 7
bankrupty 1
banruptcy 1
Barclay Card 2
Barclays 2
Becket and Lee 1
BECU 2
Best Buy Visa Citi BK rebuild 1
Best Egg 2
BEST LINES OF CREDIT 1
best practices 1
bill collectors 1
bk 24
Bk 13 7
BK Amex Business Blacklist Recon 1
BK Bankruptcy 34
BK Bankruptcy 13 1
BK CH 13 9
BK CH 7 11
BK Drop 4
BK Early 1
Bk friendly 6
bk settlement progressive 1
BK student loans 4
bk13 6
BK7 39
Bk7 leasing lease auto post bk 1
BK7 Rebuild 7
blacklist 5
Blacklisted American express 1
BofA 1
bonus 1
Bouncing from ch7 2
Bouncing fron ch7 1
bring score up 1
Budgeting 1
building credit 1
Bureaus not reporting credit lines 1
Burned Cap1 1
Burned Cap1 Discover Amex Merrick First Premier Century Federal Credit Union Synchrony Store Cards Walmart Card 1
BURNED CHAPTER7 BANKRUPTCY NFCU 1
BURNED CHAPTER7 BANKRUPTCY NFCU USAA CAP1 SYNCB 1
Business 1
Business bankruptcy 2
Business Card 1
business credit 1
business loans 1
buying a car 1
Cap 1 5
Cap One 6
Cap One CLI 1
cap1 3
Capital One 39
Capital One Auto Finance 2
Capital one burned in BK 1
Capital One CLI 4
capital one platinum 2
Capital one QS 1
capital one quicksilver 1
Capital One SL 1
Capital One Venture 1
capitalone 1
capitol one 2
capone 1
captial one 1
car 6
Car Loan 15
car loans 5
car redemption 2
car rental 1
car rentals 1
Card 1
card approval 1
cards after bankruptcy 1
carvana 2
cc 1
Cc charge off 1
cfpb 1
ch 11 1
ch 13 5
ch 13 bankruptcy advice 2
Ch 13 discharge 1
Ch 7 16
Ch 7 mortgage reporting 1
Ch.7 bankruptcy 6
ch13 7
Ch7 20
Ch7 bk 3
Ch7 Bk Removal 1
CH7 Score drop 2
chap 1
chap 13 3
Chap 7 19
Chap 7 Means Test California 2
Chapter 3
chapter 13 43
chapter 13 bankruptcy auto loan 1
Chapter 13 convert 3
chapter 13 credit report 3
Chapter 13 Discharge 15
Chapter 13 Discharge!! 2
Chapter 13 dismissal 5
Chapter 13 done 3
Chapter 13 Forclosure 2
Chapter 13 mortgage 2
Chapter 13 questions 5
chapter 7 126
chapter 7 bankruptcy 25
Chapter 7 discharge 40
chapter 7 discharge ssdi rebuild credit 1
Chapter 7 waiting for discharge 6
chapter13 3
chapter7 7
charge card 1
charge off 2
Charge offs 5
Charge-off 2
charge-offs 1
charpet 7 1
Chase 10
Chase Sapphire Preferred 1
checking accounts 1
Chevrolet 1
Chevron and Texaco Techron Advantage Visa Card 1
chexsystems 2
child support 1
child tax credit 1
Chrysler Capital 2
citi 1
Citi Best Buy 1
Citi capital one 1
Citi Diamond 1
citicard 1
Claims Asserted 1
Claims Scheduled 1
cli 2
CLI Capital One 1
cloc 1
closed accounts 2
closing accounts 2
closing Merrick Bank Card 1
cma 1
CO account 1
Co-sign 2
coast to coast 1
ColdApp 1
collection 2
Collection Agency 2
Collection reported in error 1
collections 3
Collections HELP 2
collections. 1
college debt 2
college student 1
Comenity 2
Comenity Bank 1
Commenity 1
Community State 1
Conventional 1
corporate card 1
Correcting Mistakes on CR 1
cosign 2
COSTCO citi visa 1
Courtesy 1
Courtesy Chevrolet 1
COVID-19 1
Cra 1
CRA BK Reporting 3
cramdown chapter 13 1
credit 1
Credit & loan qualification 15
Credit after Chapter 13 1
Credit Approval 16
credit approvals 1
credit builder loan 3
credit building 2
Credit Card 30
Credit card applications 6
credit card approval 1
credit card approvals 5
credit card cli 1
credit card debt 7
credit card offers 2
credit card payments 1
credit card utilization 1
credit cards 12
credit control corp 1
credit counseling 2
credit denials 1
credit disputes 2
credit history 1
Credit improvement 1
credit increase request 1
credit karma 2
Credit Limit 1
Credit limit increase 1
Credit line 1
credit line increase 1
Credit Line Increase. 4
Credit Line Increase. Upgrade 1
credit lines after bankruptcy 2
credit lines with poor credit 1
credit mix 1
Credit monitoring 1
Credit one 9
credit one bank 2
credit problems 1
Credit rebuild 6
credit rebuilding 7
Credit Repair 11
credit report 7
Credit report status change 1
Credit reporting 10
Credit Reporting Agency 1
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 2
Credit reporting questions 1
credit reports 1
Credit reports collections 1
credit score 7
Credit score fluctuations 1
credit score increase 5
credit scores 5
credit scores dropping 3
credit steps 1
credit union 8
Credit Union Eligibility 2
credit union personal loan 1
credit unions 1
credit utilization 1
creditcard 3
creditcards 1
CreditKarma 2
Creditor 1
creditors violating FDCPA and FCRA 1
creditreport 1
creditscore 1
Currently holding Navy Federal Secured nRewards 1
data points 1
Date Filed: 09 30 2021 Current FICO Scores: TU 623 EQ 683 EX 600 Authorized user of CapitalOne no other CC 1
DCU auto loan 1
debt 7
debt collection 3
debt consolidation 4
Debt Management 22
debt reorganization 1
Debt to Income 1
deductions 1
degree 1
Deliquent payments 1
Denied 1
Derog 1
Derogatory 1
derogatory mark 1
disability 1
discharge 32
Discharge Kohl’s capital one credit card garden 1
discharged 12
Discharged 5-05-18 1
discharged chapter 7 17
Discharged Creditors 2
Discharged...some time this week..looks like. 1
Discover 7
Discover card 1
Discover Card Approval 1
Discover IT 3
Discover IT Pre-Qual 1
Discover secured 1
dismissed 1
dispute 5
dispute process 1
Disputes 2
divorce 3
Docketbird 1
docketbird bankruptcy observer 1
DOFD 2
Domestication of Judgements 1
Dover 1
Dover FCU 1
Dropped Scores 1
DTI 1
e-file 1
early exclusion 11
EarlyWarning 1
ED 1
education 1
EE 3
efile 1
employer 1
equifax 5
equity 1
errors 1
EX 654 1
Experian 9
Experian. Dispute. 1
fair credit loan 1
fair market value 1
family size 1
fasfa 1
FCA 1
FCRA 1
FCU 1
FED loan 1
federal 1
felloff 1
FHA 3
FHA Loan 1
Fico 4
fico 2 1
FICO announcement 1
FICO Score 13
FICO Score 9 1
FICO Score changes 12
FICO Score versions 1
FICO scores 2
FICO Scoring 2
Fico versions 1
file 2
Filed 1-30-18 1
Filed 8-5-19 1
Filed Bk 7 5-8-19 1
Filed petition 1
filing 1
Filing for chapter 11 1
financial freedom 1
financing 3
fingerhut 1
finra 1
First-time home buyer 4
FIT 1
fixing my credit 1
Forbearance 1
ford 1
foreclosure 1
Foreclosure & Short sell 3
forgot to list debt 1
fresh start 2
friendly 1
Frustrated 1
gambling 1
Gardening 1
garnishment 1
GAs Own Credit Union (auto) 1
General Question 2
GM Financial 2
goodwill 1
Google 1
grievance 1
GW letter 1
h 1
Halstead Financial 1
haven 1
HELOC 7
help 6
Help Boost my Credit 2
Help ME!!! 2
Help Rebuilding 2
help with collections 1
Help! 2
Hertz 1
high interest 1
history 1
home 1
home appraisal 1
Home improvement 1
Home loans 1
Home Mortgage 2
home purchase with bankruptcy 1
home purchase with bk 1
Homeownership 1
Hope 1
housing 1
How Do Pros Do This 1
identity theft 1
IIB 8
IIB reporting 3
IIBK 1
improve credit score 1
Inaccurate reporting 1
income 2
income disclosure 1
Increase 1
Inexpensive 1
information 1
Inquiries 1
inquiry 1
insider payment 1
insurance 2
Investing 1
IRS 2
JD Byrider 1
Jeep 1
jewelry repossesion 1
job 1
job post bk 1
job search 1
joint 1
joint bank accounts 1
journey 1
judgement 1
Judgement Bankruptcy 1
Judgement Bankruptcy Chapter 13 1
Judgements 3
Just Starting 1
Kohls 1
late payment 2
Late payment removals 1
late payments 2
late reporting 2
Lates 1
lawsuit 3
lawyer 1
lease 8
lease trade in 1
leasing 1
Lenders 1
lending 1
LexisNexis 1
licensed 1
lien removal 1
liens 1
Life after Chapter 7 3
Line of Credit 1
LLC 1
loan 6
Loan approval 3
Loans 6
long term 1
Lost Access 1
LVNV 1
Macy's 1
macys 1
major questions about new bankruptcy 1
malpractice 1
Maryland 1
Mazda 1
means test 2
means testing 2
medical 1
medical bills 2
Medical Collection 1
Medical debt 3
Medical debt collection 1
Meeting of Creditors 2
Meeting of Creditors 6-12-19 1
Mercurycard 1
Merrick 1
Merrick Bank 1
Merrick Bank closed card 1
Military 2
Military star card 2
Missed Payment. 1
Mission Lane 1
MOC 1
Mortage loan 2
mortgage 24
mortgage loan 5
Mortgage scores 3
mortgages 1
my fico 1
myfico 1
Navient 1
Navy 6
navy fed 2
navy federal 9
Navy Federal approval 3
Navy Federal Credit Union 13
Navy Federal Membership 1
need advice. 1
Negative items or DEROG 10
negative reporting 1
new 1
New Account 1
New credit & loan 13
new house 1
New Jersey 1
next steps 2
NFCU 42
NFCU 1st CC 1
Nfcu bankruptcy 1
NFCU Cash Rewards 1
NFCU membership denial appeal 1
NFCU navy federal navy fed 1
NFCU nRewards Secured Card 2
NFCU Platinum 1
NFCU shared secured loan 1
nj 2
No Annual Fee 1
no asset 1
No FICO score 1
no wasted inquires 1
non consumer 1
non-FICO credit scores 2
Notice of case closed 1
offers 1
Ollo 2
Ollo Rewards 1
online 1
Open Chapter 13 1
open chapter 7 1
opening accounts 1
opensky creditkarma creditmanagement timewarner rebuild secured creditcards discovery bofa secured creditone 1
Other 14
p2p loans 1
Pacer 2
past due bills 1
PATELCO 1
patnership 1
pay increase 1
paying family 1
Paying off debt 1
payment 1
payment history 1
payment increase 1
payments 2
payoff 1
Paypal 2
Paypal Credit 1
Pen Fed 3
penfed 8
PenFed Auto Loan 2
penfed bk denial 1
PenFed Offers 1
PENFED POWER CASH 1
personal 1
personal finance 1
personal lines of credit 1
Personal loan 3
personal loans 1
Phoenix 1
Plat 1
Platinum Credit Card 1
Please Help 1
Post Bankruptcy 7
Post Bankruptsy 2
post bk 2
Post BK7 11
Post Chapter 13 mortgage 1
Post discharge 1
Post-CH7 6
Potentially negative 1
Pre Approval 1
pre discharge 1
pre-qualified 1
preapproved 1
Premiere 1
Preparing for bk 2
preparing for mortgage 1
Prequal 1
prestige financial 2
Private 1
private loans 1
Pro Se 3
Product Change 2
proof of claim 1
prose 1
public records 1
qs 1
Quality 1
Question 3
questions 2
QuickSilver 3
Re 1
Re-establishing 1
reaffirm 11
reaffirmation 19
reaffirmed 1
reaffirmed debt 2
reaffirming car loan 3
Reaffrimation 3
Real Estate 1
rebuild 20
rebuild after BK 3
rebuild credit 1
Rebuild Suggestions 5
Rebuilding 56
rebuilding after bankruptcy 1
Rebuilding and application advice 4
rebuilding approvals 2
Rebuilding credit 21
Rebuilding Credit after Bankruptcy 111
recommendation 1
recommendations 1
Recon 1
reconsideration 1
redeeming 1
refinance 8
refinance bankruptcy 1
refinancing 1
Removal 1
remove 1
removed 1
rent 1
rental 1
renting 3
reporting 3
reporting dates 1
Reports 1
repossed vehicle 2
repossession 9
restructure 1
Retail cards 6
Retirement 1
Rewards cards 6
REWARDS CREDIT CARDS 1
Ritz-Carlton 1
SAC FCU 1
SAFE CU 1
Saks fifth 1
salary increase 1
Sallie Mae 2
Santander 2
Santander auto 1
savings 1
Savor one 1
SavorOne 1
SBA 1
score 1
Score and bankruptcy 2
Score improvement 11
Score Improvement. 2
scores 3
secured 3
secured card 4
secured cards 1
SECURED CREDIT CARD 11
secured loan 2
Self Lender 2
sellhome 1
servicer 1
settlement 5
share secured loan 1
SL 1
social security 1
SOL 1
sorry if didn't understand 1
spouse 1
SSDI 1
SSI 1
SSL 1
Starting limit 1
starting over after bankruptcy 2
Still have student loans 2
still Young 1
stipend 1
store cards 1
student 1
student debt 1
student loan 7
student loans 16
Success Story 1
Suck it Chapter 7! 1
Surge 1
SYNCB 1
Synchrony 4
target 2
Target Card 2
tax 1
tax lien 1
tax refund 1
tax returns 2
taxes 1
td bank 1
Telecheck 1
Texas Guarentee 1
TG 1
timeline 1
To bankrupt or Not to bankrupt.....This is the Question...... 1
too many inquiries 1
toyota 3
toyota financial 1
Toyota lease 1
transunion 4
Travel cards 2
travis credit union 1
Trustee 1
tu 1
TU 655 1
TU 8 659 EX 8 655 EQ 671 1
Typos galore. 1
U4 1
Unify 1
unsecured card 1
updates 1
upside down 1
Upsolve 1
Upsolve.org 1
us bank 2
US Trustee 1
Usaa 2
USAA American express 1
USAA credit cards 1
USAA secured credit card chapter 13 1
USDA 1
USDA Direct Loan 1
UST 1
utilization 3
VA 3
Va Home loans 3
va loan 3
va loan with bk 2
vahomeloan 1
vehicle 4
vehicle repossession 1
verizon 1
veteran 2
Victoria’s Secret 1
Volkswagen 3
wage garnishment 1
Walmart 1
WalMart bankruptcy friendly 1
Walmart Synchrony 1
Want to file 1
WeFloridaFinancial 1
Wells Fargo 5
wells fargo dealer services 1
World Omni 1
wrote for many 1

Topics with Label: Ollo

My Credit Journey as an FYI to help others

My post BK journey and some data points...