shifter's Rebuilding Thread

[shifter]

That's what I read, which is why I said I'd wait another 3 months.

[shifter]

a $162/2500 balance (6.5% ind, 2.95% overall) reported on Disco this month because of payments that posted at the last minute.

 

EX score didn't change from 649.

[shifter]

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

[nooneimportant]

Nice!

[tobettercredit]

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

 

Happy Rebuilding in 2018

[cv91915]

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

 

 

Nice.

[Occam]

just got my EQ dispute back:

 

>>> We have reviewed the bankruptcy information. The results are: This item has been deleted from the credit file.

have to wait 5 more days to pull a 3B CCT and see what it did for my score and what the IIB accounts look like.

 

Dude!!

[shifter]

so I had a free pull code from MF that's been sitting around for the last couple of years, so I decided to pull EQ today.

 

BK is indeed gone and FICO 08 went up to 683. all my IIB accounts now show the LPs instead of IIB. unfortunately I stopped paying most of my accounts in the 2 months before I filed, so most of them show 30DL and a couple 60DL. if I had been thinking more about the rebuild, I would have thought about keeping them current, which would give me a completely clean report right now. hindsight is 20/20 and all that...

 

so now I've got 12 accounts with LPs that I'm going to have to work through disputing.

 

the main reason my score isn't higher is Comenity reported both of my accounts as 120DL all the way through my discharge. that's obviously incorrect, so that's going to be the first place for me to start with the disputing.

[shifter]

got my BK dispute back from EX.

 

they say they verified with the information reporter, which we all know is BS.

 

sending a MOV today. I assume they will "verify" again and I'll have to move on to a CFPB dispute.

[shifter]

more good progress as of today.

 

got my dispute back from EQ. I disputed two Comenity accounts reporting 180DL and one C1 account reporting 60DL.

 

all 3 were deleted!

 

those were the only serious derogs on my profile, so the only derogs left are 9 accounts with one single 30DL from June 2016.

 

unfortunately, I have to wait 14 more days to get my next 3B report from CCT and see the new score.

 

based on Bob's graphs, even with a 2 year 30DL I could still be at 725. not sure how 9 of them will affect it though.

 

[shifter]

[shifter]

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

[ftpwatcher]

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Nicely done. Congrats!!

[tobettercredit]

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Jaw dropped probably for the first time in my life. It hurts a bit. Congrats. Some people know this game inside out.

[nosup4u]

Now that's whats up!

[wingwalker]

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

 

Way to go!!

[rb2146]

Congrats!

[DigDeep]

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

 

Did you freeze TU and force them to pull EQ?

[shifter]

Did you freeze TU and force them to pull EQ?

Yup.

[bigpoppa09]

 

Did you freeze TU and force them to pull EQ?

Yup.

 

[Rogue]

had been waiting to app NFCU until I got EQ cleaned up some and decided to pull the trigger today.

 

Congratulations - You're Approved!

You have been approved for a More Rewards Amex card from Navy Federal. Your credit line will be $25,000.

 

12.24% variable APR, which let's me know what they think of me. it isn't the lowest, but isn't too far off the 10.9%, so probably second tier.

Just awesome...congrats!!

 

Think there are any TARP banks out there that would give you a $25K starting limit at this point in your rebuilding?

Edited February 17, 2018 by Rogue

[shifter]

Just awesome...congrats!!

 

Think there are any TARP banks out there that would give you a $25K starting limit at this point in your rebuilding?

I wouldn't think so, but I'm really not sure.

 

As far as NFCU knows, I'm not rebuilding. Just have a few 30DL from 2 years ago. But I have a fairly thick file, 13 yr oldest account, 6 year AAOA.

 

Also as I posted in the pry bar thread, I have 2 closed/paid/positive CCs showing 75k and 50k CL respectively. I'm not sure if they might take those limits into account even though they are closed since they are positive.

 

I would app more prime issuers to GP it if I hadn't IIB'd them all. At this point I do need 2 more open CCs for ideal scoring but I really don't see any quality offerings that I would use. I need to do some more research and see what else is out there.

[DigDeep]

 

Did you freeze TU and force them to pull EQ?

Yup.

 

 

Excellent. Several months ago I kind of did the same thing but it didn't work as well.

 

I haven't had my BK removed from EQ but my EQ9 FICO was 762, substantially higher than TU or EX. I froze TU and apped. Unfortunately, NFCU tightened their BK policies right before I apped.

 

My approval was at 10.65%, the tier 1 pricing at the time. That was pretty cool for a 16 month old BK. The crotch kick was that NFCU had just instituted a $1k max CL for BK's 1-2 years old, and secured only for less than 1 year.

 

I am still trying to find out if the $1k restriction applies only to initial CL or if it also restricts subsequent CLI's during 1-2 year BK period to a max line of $1K.

[bigpoppa09]

 

 

Did you freeze TU and force them to pull EQ?

Yup.

 

 

Excellent. Several months ago I kind of did the same thing but it didn't work as well.

 

I haven't had my BK removed from EQ but my EQ9 FICO was 762, substantially higher than TU or EX. I froze TU and apped. Unfortunately, NFCU tightened their BK policies right before I apped.

 

My approval was at 10.65%, the tier 1 pricing at the time. That was pretty cool for a 16 month old BK. The crotch kick was that NFCU had just instituted a $1k max CL for BK's 1-2 years old, and secured only for less than 1 year.

 

I am still trying to find out if the $1k restriction applies only to initial CL or if it also restricts subsequent CLI's during 1-2 year BK period to a max line of $1K.

 

DW was approved for her Navy Cash Rewards 1 year ago for 1K at fourth statement hit the luv button and got a SP 2K increase. 6 months will be March 14 will hit luv button again. Her BK is 30 months old just some data points for u.

[steelers1]

Congrats! Nice hit