What's my next card? 1 month post DC, 684 FICO

[baller4life]

I agree with pipeguy. Stay away from Credit One! I think your next step should be joining Navy Federal. Not only are they the largest CU in the country, they are the absolutely best for rebuilders. They were my biggest asset during my rebuild. Many many others here will tell you the same. Below is the link to how to join:

http://ficoforums.myfico.com/t5/Personal-Finance/Navy-Federal-CU-The-REAL-way-in-for-those-that-dont...

[Anonymous]

Lol Baller, I never heard you talk about NavyFed, just PenFed jk jk

[baller4life]

😂😂 NFCU was my first love harleygirl!

[Anonymous]

Sweet, I'll give them a go. Thanks again for your help!

[dallas01]

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@baller4life wrote:
Bankruptcy has to be more than 36 months old for BOA secured card.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Bank-Of-America-Secured-Card-Requirements/m-p...

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Does anyone know if this is file date or discharge date? I'm coming out of chapter 13 now but filed 61 months ago.  

[baller4life]

Discharge date

[Anonymous]

@Anonymous wrote:

Lol Baller, I never heard you talk about NavyFed, just PenFed jk jk

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What's PenFed's deal? Are they good?

[baller4life]

Excellent CU. You just don't want to join them fresh out of bk. They are not as generous as Navy Fed is with rebuilders. Although they have gotten better in the past year. They used to be much worse! Join NFCU first. Then in 6 months to a year join Penfed. 😉