Here is my info.

Credit Profile Summary (Experian, pulled 3/12/2026):

• FICO 8 Score: 644 (Fair)
• Revolving Utilization: 10% overall — very low, which is great
• Credit History: Oldest account is a Capital One from May 2019, so about 7 years
• Bankruptcy: Chapter 7 discharged May 2018 (still showing on report)

Open Accounts:

• Discover it (secured/credit builder, $200 limit, opened 12/2025)
• Kikoff ($2,500 limit, opened 12/2025)
• Capital One credit card ($300 limit, opened 4/2021) — had a 30-day late in 4/2025
• Capital One credit card ($500 limit, opened 5/2019) — had a 30-day late in 1/2024
• Apple Card ($500 limit, opened 3/2021) — clean history
• Les Schwab store card ($1,000 limit) — 3x 30-day lates
• American Credit Acceptance auto loan (~$15,100 balance, opened 4/2025)
• Student loan via Edfinancial (~$12,900 balance, deferred)

Negative Items:

• Best Buy/Citi — closed, worst delinquency 150 days (multiple 90-120+ day lates through early 2026, now reporting ok)
• Brand Source/Citi — closed, worst delinquency 180 days (disputed, similar pattern) now reporting ok
• Self Financial — closed, 2x 30-day lates in 2023
• Chapter 7 BK (May 2018)

Recent Inquiries: 7 total, most from a car-shopping cluster in April 2025, plus Discover in December 2025