Any Advice?

[Anonymous]

My issue is not as much bad credit, it’s no credit, let me explain. Back in May I filed chapter 7, it discharged in August. Since then I have been trying to build my score. I’ve had a self lender account for 3 months but they are only reporting 1 payment, capital one turned me down, the SCT doesn’t work for me. I’m with NFCU, but I’m scared to apply for a CC just to get declined and have that inquiry on my reports. Any advice you have would be appreciated

my TU is 571

My EQ is 568

my EX is 550

[Anonymous]

What's your reported utilization on your credit card?

[Anonymous]

No credit card so it shows 'no data' for utilization .

[Anonymous]

Check Discover prequalify to see if you can get a secured card there.

[Sandman771]

Also Open Sky has a secured card with no credit check and it reports regularly. Also NFCu has one as well if you get the chance to check with them. 

[Anonymous]

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@Anonymous wrote:

My issue is not as much bad credit, it’s no credit, let me explain. Back in May I filed chapter 7, it discharged in August. Since then I have been trying to build my score. I’ve had a self lender account for 3 months but they are only reporting 1 payment, capital one turned me down, the SCT doesn’t work for me. I’m with NFCU, but I’m scared to apply for a CC just to get declined and have that inquiry on my reports. Any advice you have would be appreciated

my TU is 571

My EQ is 568

my EX is 550

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Start out with a couple of secured cards. Discover secured is a shoe-in if you did not burn them in the BK, and I would suggest opening an account with SDFCU and get a secured card from them as well.

[Anonymous]

I use the Discover scorecard. where do i prequalify? 

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[Anonymous]

https://www.discovercard.com/application/prequal?execution=e1s1 I believe is the current prequal page.

[Anonymous]

thank you very much!

[Adkins]

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@Anonymous wrote:

My issue is not as much bad credit, it’s no credit, let me explain. Back in May I filed chapter 7, it discharged in August. Since then I have been trying to build my score. I’ve had a self lender account for 3 months but they are only reporting 1 payment, capital one turned me down, the SCT doesn’t work for me. I’m with NFCU, but I’m scared to apply for a CC just to get declined and have that inquiry on my reports. Any advice you have would be appreciated

my TU is 571

My EQ is 568

my EX is 550

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I've read that NFCU is now wanting a year post BK, before they'll extend you credit of any kind. I'd go into a branch and talk to a representative directly, and see if you have any pre-qualification available.