No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I filed for bankruptcy on 9/16 of this year. I had my meeting of creditors last Friday. I am set for discharge (barring anything unforeseen) on December 27. I am starting to think about life after bankruptcy and have been reading the boards here since before I filed. I have no desire to use credit now. I feel like I could live without using it at all. The problem is that I want desperately to buy a house in a few years. My scores are in the 550 range, so I know I would not qualify for a mortgage at this level. I kept my car and will pay it off next November. That's the only thing I have to pay. I guess what I"m wondering is if I do not get any type of credit, will my score stay the same? Will it go down more? I have been reading here and it seems so complicated juggling cards and all that. I don't know if I can do that. Besides that, it seems weird to get cards and use them when I don't need them. On the other hand, I need to raise my scores. I'm not sure what to do.
I kept my truck thru BK and had no cards after. I remember when I first joined here my score was 606 avg. I went on the Cap1 pre-qual site and took the Platinum. Started at 2k. After I'd say the 2cd or 3rd statement cut. My score jumped 80 points. I can still see the graph on MyFICFO 3B Membership. Probably cause I had an installment loan already and now I had a revoling account which FICO likes. I took the advise here and now you can see my results below at 1 year. Grab a card or 2. Use them and pay on time and you'll see the jump. JMHO