Jumping in to the Credit Fray after a Bankruptcy

[Anonymous]

Noob here. Just looking for some tips to of course, get my score higher. Almost 3 years ago I filed for bankruptcy. At the time my score was a dim lower 500's. 18 Months ago I was able to buy a Brand new Car...interest rate is a very high 18%. I have not been late on both my car notes and I just paid off one of the cars. 

Right now my Score is 600 on the dot. After reading some post here, I decided apply for a Cap One (using the finder took) I was approved for a $300 limit. I'm so happy about it. I wanted to add a line of credit since I've just lost one by paying off one of my cars. I see a lot of people here claiming to have success by applying for Store Credit. I can't lie, I want to apply as when, but don't want them hits on my credit, especially if I'm denied. 

If I did apply for store credit. What are the ones to go for with a 600 Score?

[longtime_lurker]

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@Anonymous wrote:

Noob here. Just looking for some tips to of course, get my score higher. Almost 3 years ago I filed for bankruptcy. At the time my score was a dim lower 500's. 18 Months ago I was able to buy a Brand new Car...interest rate is a very high 18%. I have not been late on both my car notes and I just paid off one of the cars. 

Right now my Score is 600 on the dot. After reading some post here, I decided apply for a Cap One (using the finder took) I was approved for a $300 limit. I'm so happy about it. I wanted to add a line of credit since I've just lost one by paying off one of my cars. I see a lot of people here claiming to have success by applying for Store Credit. I can't lie, I want to apply as when, but don't want them hits on my credit, especially if I'm denied. 

If I did apply for store credit. What are the ones to go for with a 600 Score?

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Welcome to the forums. Is the Cap1 card enrolled in the Credit Steps program? If so, I would just stick with cap1 for about a year and then go on a small app spree (barclays rewards or similar) and more importantly REFI that car loan with someone like DCU.

Um...store cards around 600? ...others will definitely know more but maybe Walmart. I think I remember people posting they got small, small limits with Walmart with similar scores.

Once again, welcome!

[Anonymous]

Thanks for the tips and the welcome. Sorry I'm not well versed in the lingo. REFI with DCU? Sounds like thats a Credit Union, but which one?

Thanks Again!

[cem13]

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@Anonymous wrote:

If I did apply for store credit. What are the ones to go for with a 600 Score?

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Here is the ultimate guide to all things credit after BK discharge.  Please read this thoroughly, and take notes.  Then, when you think you understand it, read it again.

I followed this to the 9's and I hit 700 22 months after BK7 discharge.  Now I am 48 month post discharge and my scores have not improved much (~710) but I have over $100K in available credit.

http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/m-p/1384075#M9218

[longtime_lurker]

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@Anonymous wrote:

Thanks for the tips and the welcome. Sorry I'm not well versed in the lingo. REFI with DCU? Sounds like thats a Credit Union, but which one?

Thanks Again!

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Refiance the car with Digital Federal Credit Union. 

And definitely look at that guide that another poster linked.

You're welcome

[Anonymous]

Thanks cem13, I'll take a look.....now how do I post my cards in my signature like all you fancy folks?