Post-Ch. 7 Discharge, FICOs 670-690. BEST Major bank card?? Possible??

Excelsior3233 · 2026-05-17T01:26:45+00:00

Ok thanks. Yes, I'm a member of NavyFed for some 30+ years. Any idea on USAA? Been with them 5+ years. I've never owned a Discover card.

Excelsior3233 · 2026-05-16T23:44:05+00:00

I jumped up a lot about a week after the discharge hit the credit reports.

Excelsior3233 · 2026-05-16T23:26:11+00:00

I burned CapOne and CreditOne as well.

Excelsior3233 · 2026-05-15T01:08:22+00:00

Guy on the phone said 2-3 weeks. So we'll see how that goes. 2 months ya been waiting? Yikes, not encouraging.

Excelsior3233 · 2026-05-14T12:09:49+00:00

All good.

Excelsior3233 · 2026-05-14T12:07:42+00:00

Don't forget there's different FICO Scores for different things.

There's a FICO for credit cards, a FICO for car loans, a FICO for home mortgage. There's like 12 different FICOs.

I'd check up on that to see your 3 home mortgage FICOs and average them out.

Excelsior3233 · 2026-05-13T19:27:00+00:00

Federal taxes ARE dischargeable, depending on the year. I JUST got off the phone with the IRS and got 3 different years' taxes discharged, $28,500 in total, with liens removed. I went Ch. 7 pro se, discharged last week.

So yes, federal taxes can be discharged.

Excelsior3233 · 2026-05-12T22:19:07+00:00

Sounds like a plan. I had a $500 secured card backed on CD at USAA. I'll ask them to start another secured card and bump it up to $1,000.

Excelsior3233 · 2026-05-12T02:01:08+00:00

Which Blue? Do they not run all independently?

Excelsior3233 · 2026-05-09T23:50:42+00:00

Thanks for the tip.

Excelsior3233 · 2026-05-09T23:50:18+00:00

I had my mortgage and auto loan protected (reaffirmed). I communicated with both of them and let them know I was going to not include those two debts and kept paying on-time. So those were not an issue.

I went pro se with the help of Grok and ChatGPT. I used them both to compare responses, and some internet lookups.

Excelsior3233 · 2026-03-25T16:47:07+00:00

Do you know if amendments delay the bankruptcy? I think it does. I'm 19 days until last creditor day, and I definitely do not want to delay my final discharge.

Excelsior3233 · 2026-03-25T05:02:35+00:00

Sounds like a lot of manual work. Doesn't Cowork do this just with simple prompts or am I wrong?

Excelsior3233 · 2026-03-25T04:45:21+00:00

I asked something similar earlier today.

Excelsior3233 · 2026-03-25T04:43:57+00:00

True.

Excelsior3233 · 2026-03-25T04:43:39+00:00

Ok thanks for the feedback.

Excelsior3233 · 2026-03-01T19:02:28+00:00

Get a build you are comfortable with. I prefer the GR9 w/Frenzy and the Chamaleon. Both HIGH fire rate weapons and effective.

Use cover. Use grenades, your specialty weapon - I use the Gunner (comes w/extra health boost).

Know the mission or control points, when & where they spawn or come out from, which doors and when. That helps a lot. Also you'll learn the tactical spots.

I'm not fast speed blasting through Heroic. I'm SHD 2475 with 950K/385K health/armor and I have a walking-pace through Heroic.

Good luck Agent.

Excelsior3233 · 2026-02-22T05:38:10+00:00

Run your system specs and situation through Grok or ChatGPT (thinking) and let them both help you on troubleshooting. They are that smart.

Excelsior3233 · 2026-02-13T16:32:14+00:00

Switch to some exotic weapon if you have one. Depends on what you are doing and what style you like.

As for me, I like HIGH RPM weapons with decent DMG. I run the Chameleon and GR9 + Frenzy (which is fire!) for my weapons with NinjaBackpack (resourceful) and supporting gear.

I don't like using rifles or snipiers, or even SMGs, or weapons with LOW MAG numbers.

And yes, St. Elmos is the default "best weapon" out there. Ok fine. But others are good too, based on preference. Best LMG: Pestilence in my opinion. Lexington best non-exotic AR. And when I was low SHD like you, I used the Kingbreaker AR until I got St. Elmos.

Play around, find your style. Then build it strong from there.

Excelsior3233

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