http://ficoforums.myfico.com/t5/Bankruptcy/In-a-bad-way/m-p/1828971#M11143 I think credit cards are different. I was approved for a Orchard Bank card in 2009 and my Ch 13 bankruptcy wasn't discharged until Jan 2011. I was also able to get a auto loan in 2008 with Trustee approval. My Ch 13 was filed in 2005 and was deleted from my credit reports Oct 2012.<br><br>I think getting added as an AU on those cards will greatly improve your score. Wed, 23 Jan 2013 17:21:19 GMT MovingForward_2012 2013-01-23T17:21:19Z http://ficoforums.myfico.com/t5/Bankruptcy/In-a-bad-way/m-p/1828391#M11132 I filed BK in Oct 2008, Ch 13. Haven't cared about credit in past :( BK will dc in Oct this year. Already have several small collections post filing and have no positive credit. I am sending out PFD letters on the collections today and my parents have agreed to AU me on 3 of there cc which have 10k SL and have 20 years history, they utilize perfectly and PIF . My current Fico is 535 but was told that I cannot obtain new credit until BK is dc. Other than the PFD letters am I stuck until Oct. And how much can I expect to gain from the AU accounts? Wed, 23 Jan 2013 07:58:10 GMT http://ficoforums.myfico.com/t5/Bankruptcy/In-a-bad-way/m-p/1828391#M11132 Cowboys72 2013-01-23T07:58:10Z http://ficoforums.myfico.com/t5/Bankruptcy/In-a-bad-way/m-p/1828971#M11143 I think credit cards are different. I was approved for a Orchard Bank card in 2009 and my Ch 13 bankruptcy wasn't discharged until Jan 2011. I was also able to get a auto loan in 2008 with Trustee approval. My Ch 13 was filed in 2005 and was deleted from my credit reports Oct 2012.<br><br>I think getting added as an AU on those cards will greatly improve your score. Wed, 23 Jan 2013 17:21:19 GMT http://ficoforums.myfico.com/t5/Bankruptcy/In-a-bad-way/m-p/1828971#M11143 MovingForward_2012 2013-01-23T17:21:19Z