Hey just wanted to let people potentially in a similar situation know the good news! I just got a pre approval notification from capital one after having a platinum secured card for about 4 months (of heavy use and immediate payoffs). They refunded my deposit and bumped up my limit (not much only like +$500). Forward to now I just checked my fico on capital one creditwise and it’s a 614).
So as of now I’ve had an Ava credit builder loan for $300 that I pay monthly, Ava credit card with restrictions but a high limit reporting($2000), and my cap onequicksilver secured now $1,750. Just added this savor one 7k to really up my total CL. I recommend capital one as a good route for anyone coming out of bankruptcy or just bad credit history in general.
I’m hoping by my 2 year mark from discharge, when I’ll be able to purchase property, to be around 700-720. I think at 614 now with this new big bump coming, healthy credit usage can get me there in the relative 1.5years.
Any advice or questions are welcome. Thanks
Ps my punctuation is trash I’m sorry lol.
Approved for 7k Savor One CC 5 months after bankruptcy discharge!
byu/No_Negotiation9185 inCreditCards
Posted by No_Negotiation9185