This is awesome! I've been following. Nice work!
I've opened Secured Discover It with max deposit, and got a Wayfair 1k Unsecured since Discharge 2 months ago.
Considering NFCU Secured now (2 mos. since Discharge), or removing BK from EQ(via methods in these forums) and going for unsecured.
I guess I'm wondering if I do secured now, and they see the BK. Will they be "blind" to it if I get it removed in a few months and apply for the Unsecured for a nice 20k credit line?
Could be a bluff or not be a bluff with those amounts.
I'm in NC and SOL is 3 years. I escaped judgement. First year when things went delinquent, the phone was constantly ringing and a few letters here and there. Second year.....dead silence. Third year with just a few months to go before SOL was up, endless barrage of phone calls, and a few letters with payment type coupons. It was their attempt to get me to pay at least 1 cent to reset the debt clock on the SOL. I rolled the dice and ignored all. Came out with no judgments, ect.
YMMV!!!!!! The stories of fuqery from Midland on this board are endless.
Yes..you are absolutely right.. APR is decreased from 9.99 to 5.25....mainly due to my credit improving and newer car.
Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.