Credit advice post BK please

[Anonymous]

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@Anonymous wrote:

I use CCT. It's $1 to start then if you cancel, they will give you an offer for $14.97/mo for a year. It's worth that to me to keep track of everything. I did pay for MyFico for 1 month. It was nice to see all of the scores and I will probably do it again when I get to 1yr post discharge.

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I'm very jealous of you. I see the QS visa and Venture in your signature. You give me hope. I'm 3 months past my discharge. here's hoping I get one or both before my 1 year mark

[Scupra]

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@Anonymous wrote:
Is there a thread (recent one) that provides CC companies that are BK friendly?

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http://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737

[Anonymous]

Thank you kindly

[alisadarrick]

Hi - When you did the prequal on Cap1 what do you fill in for the excellent, average or rebuilding question?

[barbaralee]

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@Anonymous wrote:

thanks for all the advice guys. NFCU and USAA want nothing to do with me. I included a card from both of them in my BK. I have started the process of gardening though. Is the 29.95/month worth it to view my FICO 08s or does it matter since I won't be apping for a while?

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Yeah, NFCU blacklists for life and USAA for seven years. I think after seven years you may have to call them and ask for full access again, sometimes it is done automatically. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I use CCT. It's $1 to start then if you cancel, they will give you an offer for $14.97/mo for a year. It's worth that to me to keep track of everything. I did pay for MyFico for 1 month. It was nice to see all of the scores and I will probably do it again when I get to 1yr post discharge.

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I'm very jealous of you. I see the QS visa and Venture in your signature. You give me hope. I'm 3 months past my discharge. here's hoping I get one or both before my 1 year mark

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Please don't be jealous. I think we were lucky. All of us in a rebuilding stage have to take it day by day, step by step. Our credit got a bounce after a couple of cards started reporting and we were qualified. Watch your internal score with Cap1. Mine hit just over 670 when I was prequalified with them.

Good luck to you.