One year down!

Technically my 1st year of filing was in April, but today marks the 1 year since discharge.   I am amazed that I made it as far as I have.  I am not going to say my journey has been flawless, as I totally deviated from the 2 years to 700 thread.   Below I hope to give you an idea of the last year and hopefully it can be found useful to those of you who are considering filing for bankruptcy, just filed for bankruptcy, or even as a critique for those that have been through this and have suggestions for me for the coming years. First, I'll start with MyFICO charts of my score progress for the past year.   Equifax  Transunion   Experian      Credit Report Card     Credit Account since Bankruptcy Discharge  July 2014 - Credit One   -  Approved for $300 unsecured.   Auto CLI to $500 one month later. August 2014 - BCU Secured Card   -  Opened account with $150 secured deposit. February 2015 - Barclaycard Rewards, Approved for $1300 Unsecured- BCU Secured Card   -   Increased to $400 March  2015 - Opened Paypal Credit Account   $1000- Opened Newegg Credit Account   $2000- Opened Amazon Credit Account  $900  April 2015 - Approved for Discover It Chrome Student card  $500 May 2015 - Approved for Capital One Venture Signature card $10,000- Approved for Capital One Quicksilver Platinum card  $3000- Approved for Barclaycard Apple Rewards card $2000- Approved for BCU Cash Rewards card $1000 July 2015 - Closed Credit One card,  declined all counter offers they threw at me to stay.   (6mn APR reduction and reduced AF @ $24/6 mn)- Preapproved for BCU Auto Loan, $14.3k  with 3% APR for a 2014/2015 new car purchased through their program.  Otherwise, 3.75% APR.- Approved for second Capital One Venture Signature card $10,000    Credit Utilization  

"I was reviewing your information and you truly seem to have a handle on this... I am writing because I want to know how it is that you got so much unsecured credit so fast? I am 1yr past filing this July 2015 but my discharge was in Nov.2014 so I still have a few months to go for that. Still, with secured cards on my report I can't seem to get an unsecured credit and I'm not sure why.. I've had an auto loan that so far I've paid since last August and which I just refinanced from a 19% apr to a 5% but other than that I haven't had any luck with unsecured credit cards.. not even with CapOne..." I started with two cards.  My first one was Credit One and then I got a secured card as well.  Due to processing times, I actually got the Secured card at the beginning of August of last year, but they were both about the same age. I used them and paid them off right away, and let one report $3 or so each month.  But the point was I PIF before it reported down to $3 on one card.  The others always report $0. BCU has thrown me off a little bit, they have a due date of the 1st but don't generate a statement until the 6th or so.   I had me card paid off by the 1st but had paid a few bills between the 1st - 6th so it reported a balance on my credit report.  (Not a large one, but enough to be about 9% util.) I wasn't able to get Capital One at all until May, because I was on their internal no-go list for a year.   The first card I got back after BK was a Venture card!!! I believe a plus on my side is that I have no debt, other than $100 reporting out of the $19k or so reported in tradelines.   I have also choosen not to go into debt.  I was curious about an auto loan and asked my CU what I'd qualify for.  But I don't think I want to go into debt right now.  I can manage what I have right now and am comfortable.  Adding an auto loan isn't necessary and I feel that going into debt unnecessarily won't be of benefit to me.

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    Press the SEN button on your new TV remote and look for the promotional icon.
    Enter your e-mail address. You'll receive an e-mail from Sony with the redemption information for all three services. Follow the instructions and redeem by 10/31/13.
    1 Netflix offer available to both new and existing subscribers.
    2 Hulu Plus and Music Unlimited offers only available to new subscribers.
    All of the redemption instructions should be emailed to you once you've completed the process above, but the processes for redeeming the Netflix and Hulu Plus codes are also outlined below:
    Netflix Redemption:
    On your remote, press the "SEN" button and navigate to the Promotional Offer app. Input your email address on-screen then check your email to receive your Netflix referral code.
    Once you receive your referral code, go to http://www.netflix.com/specialoffer on your computer and insert the code.
    Follow the onscreen prompts to complete your redemption.
    Once complete, press the “Netflix” button on your remote. Click on member sign in, log in using your new credentials and enjoy your Netflix subscription. 
    Hulu Plus Redemption:
    On your remote, press the “SEN” button and navigate to the HuluPlus app. Follow the steps on screen to complete your device registration.
    On your TV, navigate to the HuluPlus app, click on “Learn More” and write down your “Referral Code”.
    On your computer go to http://www.huluplus.com/SonyTV2013 and insert this code in the “Device Activation Code” box.
    Complete the registration and enjoy your one free year of Hulu Plus.
    Matt|Senior Social Media Specialist | Best Buy® Corporate
     Private Message

    Okay, so I signed up for Hulu Plus and my new (single) account is working on both my iPad and the PS3. Also, the component output on the PS3 seems to work fine with the Hulu content. However, the Hulu streaming performance on the PS3 seems a little rocky. On my first and second attempts to watch something the video would play for a few seconds and then pause for several more seconds, it was basically unwatchable.
    The content on my iPad seemed okay, so it looks like a problem on the PS3. Also, Netflix on the PS3 was fine and I even watched the same episode of a TV show that stuttered badly on the PS3. After watching the entire show on Netflix I went back to Hulu and the PS3 was still having problems. Then, after about another 10 minutes of playback hickups the PS3 seemed to get better. Maybe Sony's version of Hulu Plus (or someone's server) is getting overloaded right now since Hulu on the PS3 just went mainstream today.

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