You should get a boost when the youngest one turns 6 months, and again when it turns 12 months.
It's definitely tough getting in with a decent card after BK. They really (and understandably) want to see a track record first.
I'm thinking that the longer that you can function with what you have, showing stability and self-discipline, the better for your future chances.
But I don't have a lot of experience in this area, so I will defer to others. (And I assume that you're familiar with the BK-Friendly thread stickied up above.) GL
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
hauling, thank you for replying. 2 months is the most recent new accounts but I am trying to get a gas card from 2001 to wake up and start using it before that account gets "purged" due to not using it at all. BK on my CRA shows 5/30/08 date. so if I could bring that account from 2001 back to "active pattern" I think that would have helped alot even tho that gas card CL is only $300.
Looking to get back into 700s club by scratch that about 2012 maybe even 2010 faster than I had thought. aiming for $10,000 Credit Card by 2010 as well ! as of 9/15/08 EX 662 EQ 681 TU 662
Don't even use the gas card for gas...buy the gas with an ATM card, then go inside and buy a Slurpee or a six-pack of soda with the card. A tank of gas in these degenerate days could take you over 10% on the card.
- - - - in a credit-scoring postnuclear Stone Age...