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Vantage 3.0 is similar to FICO 9 where they hit you hard for lates and other negatives within a 24 month period. So you should see a bump in Vantage score when your lates turn 24 or 25 months. They also hit you hard with utilization, so getting your balances down would get you another bump.

What is your current credit profile, ie, cards you have, balance/credit line, age of cards?

I think it was your banking relationship that prevented Chase from shutting you down sooner.

You are so bad. LOL! I have never been to a Walmart. I need to go and see what Im missing.

Midland and Portfolio will delete. Their policies are on their website.

What states do you think gets it right?

Ive read alot of post of people getting approved 5 years post BK as long as Amex wasnt IIB or they were paid.

Generally, if you pay them off you are off the blacklist.

LOL! Its true though, but I forgot you are on hold for a while.

I did have a 3B before I purchased the EQ. Prior to that I only purchased a EQ 1B and I got the score, which is on the dashboard lower right corner.

You can call regular Chase customer service and request that they do not reduce the line. Based on what I have read Chase will honor the request.

No. Only after you received notification if you CL will decrease for little or non usage.

Call customer service and request. They have been honoring requests not to reduce the CL.

Did the letter give you the lack of usage verbiage?

I just purchased a 1B report and I have the score.