03-10-2013 01:34 PM
My 13, if lucky, will discharge within the next 50 days or so..... (i'm not counting ) can i start applying for secured cards to start ramping up my credit score or should i wait until the discharge? I've read about the USAA Secured card being an option and I'm a USAA member.
03-14-2013 06:16 AM
03-22-2013 10:10 PM
I'd wait simply because many 13ers get unsecured cards right out of discharge once the DC is reported. It is not uncommon for a 13er to have scores in the 700's after DC in a 5 year plan because the BK will be old and about to fall off in two more years, and most of your IIB accounts should have fallen by now.
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