soldierboy

So just a quick update. my Open Sky Secured CC is reporting now. I need to pull my TU and EX FICOs, but my EQ is 680. I need to get the other scores and work on cleaning up the IIB accounts.

Thanks for all the helpful advise on this card. I really appreciate the insight.

Applied for the Open Sky Secured on 25 NOV and was approved. Thats a start

thankyou

2500.was the amount. I did not include them in the BK

Hello Everyone, So I filed for a CHP 7 BK in March 2020 and was discharged in July 2020. I IIB'ed a lot of the major banks and credit unions out there. (Capital one, discover, American express, NFCU,DCU,BOA, Penfed to name a few. I have tried to get a secured CC to begin the rebuilding process but I have struck out with everyone I have apped. My bank denied me. Cap one secured denied, discover secured denied. Hell I even tried Fingerhut in desperation to get a positive cc and they denied. Im lost on where to go from here. I do have my mortgage and my 2 vehicles with positive history that I kept. Any advice on getting a secured cc to help on my rebuild journey or the next steps I should take?

700 (+51)

makes sense . thanks.

is there a reason why the wife would have to be on the vehicle for a possible approval?

Would need the 2nd auto for commute to work as the main vehicle is driven by wife

your Age? 36 Your Equifax Credit Score? 690 Your Experian Credit Score? 640 Your TransUnion Credit Score? 686 How many years have you been on file with Equifax? 16 How many years have you been on file with Experian? 16 How many years have you been on file with TransUnion? 16 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? wells fargo dealer services Your current open auto loan payment is? $600 Estimated amount you may be upside down in this vehicle? N/A not using as a trade Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 8 Total percentage utilized overall? 50% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 6 How many of your revolving accounts are known subprime credit cards 0 YOUR PERSONAL INFORMATION How long at your current residence? 4 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $1700 How long have you held your current job? 16years Your total provable monthly gross income is? $7000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) Trade in 2007 Dodge Charger Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. CH13 BK discharged in 2017 all payments made on time Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 Want to Lease a 2019 GMC Sierra 1500 .

thanks

Marv its a want. I guess I should have included I plan on trading in my current motorcycle as well. I own it free and clear. Not sure if that makes a difference

Credit Application: Your Age? 36 Your Equifax Credit Score? 686 Your Experian Credit Score? 680 Your TransUnion Credit Score? 700 How many years have you been on file with Equifax? 18 How many years have you been on file with Experian? 18 How many years have you been on file with TransUnion? 18 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Wells Fargo Dealer Services Your current open auto loan payment is? 646 Estimated amount you may be upside down in this vehicle? 1k Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 10 Total percentage utilized overall? 30% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 8 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 3 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $1700 How long have you held your current job? 18 years Your total provable monthly gross income is? $7500 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. CHP 13 BK discharged in may of 2016 Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. 2018 Indian Chiefyian Motorcycle $20,000 Thanks...

Would rather lease but willing to buy as well. Your Age? 35 Your Equifax Credit Score? 690 Your Experian Credit Score? 695 Your TransUnion Credit Score? 691 How many years have you been on file with Equifax? 16 yrs How many years have you been on file with Experian? 16 yrs How many years have you been on file with TransUnion? 16yrs YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? NO How many late pays within the last 12 months on the currently open loan? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? Wells fargo Your current open auto loan payment is? $269.00 Estimated amount you may be upside down in this vehicle? 2k Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10. YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 10 Total percentage utilized overall? 30% How many of your revolving accounts are store cards? 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 9 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 3 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Own Your Monthly Rent or Mortgage payment? $1700 How long have you held your current job? 15 years Your total provable monthly gross income is? $8000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystubs Is there additional monthly income? No What amount monthly? Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2,500. Does any credit repository contain any Public Record? yes If yes, please very briefly describe. chp 13 bk discharged AUG 2015 Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 only because the bk still shows on reports as discharged Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 only because the bk still shows on reports as discharged Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 only because the bk still shows on reports as discharged New or Used vehicle you are considering: Please very briefly describe. 2017 CTS-V-Sedan