update on my bk 7 and life after discharge

[mjjjlove]

I have posted one before but I'm just here for an update if it helps anyone

Filed Sept 9 2012

Bought BRAND new mustang GT approved loan $30k with downpayment shortly
After 341 meeting like a week after ..Bought Oct 2013

February 2014 bought another mustang GT brand new approved for $30k no down payment

Dec 2013 qualified for secured capital one 200 CL
April 2014 approved for capital one unsecured 300 CL
Cfna firestone 1800 CL
FINGERHUT 130 APPROVED
Barclay denied need to recon after capital shows on credit report
GE chevron denied need to recon after my credit report refreshes

Never been late with any of the car payments..

What I included in Bk 7 was a capital one auto loan of 12k
5 cap one credit card
2 first premier
Jc penney
Chevron
Majestic
Sears
pay day loans
Irs $10k
Medical bills
Old recurring collections
Credit union credit card

This time were very responsible and will carry no balance
I am just happy to get a cap one CC and plan to raise CL and
No balance

Just thought I'd share

Thank you guya


Fingehut

[mjjjlove]

Correction I file Sept 2013 not 12 sorry

[Pjmax]

Nice work. There are exceptions of course, but Barclay's is more likely to approve at least 6 mos. from discharge.

[mjjjlove]

I have posted one before but I'm just here for an update if it helps anyone

Filed Sept 9 2012

Bought BRAND new mustang GT approved loan $30k with downpayment shortly
After 341 meeting like a week after ..Bought Oct 2013

February 2014 bought another mustang GT brand new approved for $30k no down payment

Dec 2013 qualified for secured capital one 200 CL
April 2014 approved for capital one unsecured 300 CL
Cfna firestone 1800 CL
FINGERHUT 130 APPROVED
Barclay denied need to recon after capital shows on credit report
GE chevron denied need to recon after my credit report refreshes

Never been late with any of the car payments..

What I included in Bk 7 was a capital one auto loan of 12k
5 cap one credit card
2 first premier
Jc penney
Chevron
Majestic
Sears
pay day loans
Irs $10k
Medical bills
Old recurring collections
Credit union credit card

This time were very responsible and will carry no balance
I am just happy to get a cap one CC and plan to raise CL and
No balance

Just thought I'd share

Thank you guya


Fingehut

Hi guys

It has been awhile but here is my update 10 months post chap 7 bk..

4 Quiksilver Capital one cards all recon by excutive office to date:
1500
1500
1250
1250

CFNA Firestone credit card
2800

Care Credit
800

Walmart 300

Clark County Credit Union
Refinanced BOTH our brand new cars to 5%
Visa line of credit 5000

BestBuy- DECLINE TODAY

Credit went from 494 pre bk to date 630 post BK (10 months later) No lates and I am awaiting Capital One executive office to increase 2 of my cards. My plan is once my new 5000.00 Visa reports end of this month, they are looking to manual review me for a Venture card so we shall see.

Just thought i'd share my life after Chapter 7

Thanks guys

[mjjjlove]

By the way when I acquired the 1st capone card at 300- 30 days later I thought I should try and call the EO and go from there, worth a try! they gave me a 450 increase making it 750! then about 2 months later, they recon all of them and now they are what I stated above. Only one who keeps denying me for an increase is Synchrony. I hardly use Walmart, as I do not want the utilization too high an care credit too. All have 0 balance except for the newly acquired Visa 5000.00 with no AF, no csh advance and also 11% beats capone and the other ones too. I plan to use just my credit union visa all the time and pay in full, and the other ones for Gas or little things I need. Also, Clark Country Credit Union refi us at 620 FICO pulling transunion, same week they approved the visa, its linked to my checking so its awesome!! Income is at 125k combined. This BK did us nothing but help us start our life back up. I have never had a 5000.00 credit card, thanks to my Credit union; our new car loans were sitting at 19% each and they reall helped us out... I checked Walmart free FiCO today and so far at 630. The credit union did say if we wanted to apply for a mortgage NOw instead of waitin 24 mons post bk, we can except it will be a 7/1 loan, 20% down and at 8% so we are just going to wait, keep raising scores; and by Dec 2015 we will be 24 mos post bk and I will go for the 1st time buyer through my credit union. Also, this credit union is so cool, once you make your 1st 3 payments and are at min. 640 they will refinance our cars again at their promotional rate of 1.74%... Just thought I would share and thanks to this bk forum, I have learned so much from all of you...

thanks guys