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StantheMan

Am I done?

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Approximately 4 years ago I filed for BK. I immediately began rebuilding and have obtained the following:

 

A bunch of Cap Ones: 80k

Two Pen Feds : 50k

HSBC: 16k

Sportmanns Guide: 13k

Cathay Pacific: 7k

Overstock: 19k

Citi AA (slipped thru the cracks) 12k

BBVA: 4k

Merrick no fee: 2.5k

Fifth Third: 15k

 

I included all the majors in BK for a good  amount and don’t  expect to be approved anytime soon with the exception of Amex in about a year which wasn’t included.  

 

Equifax clean ~ 800

TU and Ex ~ 700

 

IIB accounts  fall off in 2 years and of course the BK not for 6.

 

Own my vehicles and home free and clear with a decent income.

 

Is there anything else I should be doing except PIF and bide my time?

 

Thx for any input.

 

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as soon I would ask if I was done I would find more cards that fit my spending pattern.

 

You could add some more CUs so that when your reports are clear of the BK you have a thicker report.

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7 hours ago, StantheMan said:

Approximately 4 years ago I filed for BK. I immediately began rebuilding and have obtained the following:

 

A bunch of Cap Ones: 80k

Two Pen Feds : 50k

HSBC: 16k

Sportmanns Guide: 13k

Cathay Pacific: 7k

Overstock: 19k

Citi AA (slipped thru the cracks) 12k

BBVA: 4k

Merrick no fee: 2.5k

Fifth Third: 15k

 

I included all the majors in BK for a good  amount and don’t  expect to be approved anytime soon with the exception of Amex in about a year which wasn’t included.  

 

Equifax clean ~ 800

TU and Ex ~ 700

 

IIB accounts  fall off in 2 years and of course the BK not for 6.

 

Own my vehicles and home free and clear with a decent income.

 

Is there anything else I should be doing except PIF and bide my time?

 

Thx for any input.

 

 

2 hours ago, hegemony said:

as soon I would ask if I was done I would find more cards that fit my spending pattern.

 

You could add some more CUs so that when your reports are clear of the BK you have a thicker report.

Was thinking along those lines but I’d rather build up AAoA and pick and choose as time goes by. Not eligible for Navy and the rest are Meh. I would hope to remove the BK after the IIB’s age off and even if unsuccessful would imagine after 6 more years my file would justify most non blacklisted cards. But thx for the thought. 

 

 

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