I don't know where to go from here...

[Anonymous]

Hi all,

I filed bankruptcy in 12/2015 and got my discharge in 4/2016. Since then I was able to get another auto loan (WFDS 6/2016) and a credit card from Credit One with a $300 CL (6/2016). I also have a small loan from my credit union ($500) which has been on time since 6/2016. Between August and December I had a decrease in finances and fell behind on my car note and credit card. I've caught up on my car note, and I paid Credit One in full, but I discovered that they closed my card after I made the payment. My credit scores are extremely low (484 EQ 509 TU 522 EX) and I cannot even qualify for a secured card. I'm fully responsible for all of this, but I dont really know where I can go from here as far as rebuilding. Any advice or suggestions are much appreciated.

Thanks in advance guys 

[Anonymous]

Check out Open Sky. They are secured and still sub, but one of the easier ones to qualify for, so it would at least help you build a little positive history. Also, check into a Self Lender loan, again, to offset the baddies...it has helped me a lot so far. Stay on time with your CU loan, talk to them about any other accounts they have that could help you (maybe a CU secured card, since you have a good history with them), and allow some of the negatives to age out. Also, double check your reports for anything disputable. I know it's frustrating, but there are options out there...hope this helps!

[Anonymous]

Thank you molly76, I'm definitely going to check out Open Sky and look into a Self Lender loan. I appreciate your advice and congrats on the progress you have made!