Credit Cards Center Credit cards from our partners
New Member
Posts: 2
Registered: ‎03-20-2017

Need Help-30 Days Post Bk-7

[ Edited ]

30 Days Post BK7 Please Help! 


Hello All, 

Thank you so much for this forum. It heightened my faith while going through my BK7. Now discharged, I am so lost. Smiley Sad Still learning credit and how it works. 


Backstory: Lost everything after being severely unemployed for 3 years and becoming a new mommy.  Rejoined workforce at 75k annually on 8/2016. Creditors Domino garnished new income pushing me towards BK. Currently driving a 95 Acura Legend that's on its last leg. 


Goal: Build credit by obtaining credit card and or Auto Loan. Purchase a 2011+ Car.



-Which secured cards should I be researching at 30 days post BK?

-Does anyone have experience with Home Trust Visa Secured Card?  

-Any suggestions on how I should go about obtaining a 10k-13k Car? Auto Loan or Buy here pay here? 

BK7 Discharge: 2/21/2017

Savings: 3k (really an emergency fund)

Fico: 620

Hard Inquiry: 1(falls off 3/2018)



Student Loan: 37k (post BK7 deferment status) 

No open accounts


Hope this is enough info, I'm new here. Any help is greatly appreciated. 


Posts: 29,748
Registered: ‎12-13-2013

Re: Need Help-30 Days Post Bk-7

Hi there OP and welcome to the board Smiley Happy

I have created your own thread on this in out RYC forum, I changed the title and left everything else intact.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."
- Rhonda Byrne
Valued Contributor
Posts: 1,496
Registered: ‎06-05-2015

Re: Need Help-30 Days Post Bk-7

I would go with Cap One and maybe Discover later on. Credit One is an option but they have high fees. Try joining your local credit union. Avoid the small buy here pay here dealers. Try to get a car from a large dealer such as Lithia or Cal Worthington as they do in house financing and u r less likely to get ripped off

CO-Venture-23k, CO Venture One -46k, BC Ring 7.5k, BC Cash Fwd 9.5k, BC Aviator 4k, AKUSA FCU -10k , DC-6.5 k, Kohls-3k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 6k,CITI (Sec) 500, PFCU Plat Rewards Siggy 15k PFCU AX Travel Rewards 17.5. NFCU Go Rewards 17.5 k , NFCU Cash Rewards 24.5k, CLOC 15k, CITI Costco 9.5k, GAP VISA 1k, Target 1k, Macy's 3k, VS, 750, BLIS PAY 5k, Pay Pal 1k, 225k total available credit. Utiliz-5% Current FICO EQ-697, EX 702, TU 713 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Valued Member
Posts: 29
Registered: ‎11-09-2016

Re: Need Help-30 Days Post Bk-7

A big "yes" from me regarding Capital One. You can check their prequalification site for credit cards and see what they may offer you. Same with a car loan. They will prequalifiy you for up to $40K and a range of APRs depending on vehicle. It's a soft pull as well until you actually go for the loan. Even if you don't use them, it gives you an idea where you stand. A pre-qual is good for 30 days so you can try again as your credit improves. They've been very good to me so far and I'm only five months out.

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
New Member
Posts: 2
Registered: ‎03-20-2017

Re: Need Help-30 Days Post Bk-7

Thanks gdale6 for getting my entry in the right thread!!! 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.