Let's see had to file bk in 2010 had a mortgage and 8 cards but didn't know a thing about credit anyways fast forward to Jan of this year bk discharged paid 100% and kept my house my lawyer said my score was 650 took his word for it. Needed a new car in June shocked that I got approved for 18000 with a soso rate asked them my score they said 668. A couple months ago I stated lurking here followed some advice here.
Got a capital one1000, Walmart 1000, Kohl's 1000, and a overstock. com 2000. Just got off the phone with discover got approved for 5500 wow. Off to the garden for a few months now.