Rebuilding Your Credit

[Unique620]

I was wondering if anyone else rebuilding with BK are now receiving pre approvals. I will be 2 years post bk in April and I only receive offers for auto loans and pre paid card in the mail. I even tried the shopping cart trick and no go! People with bk less than a year are getting pre approval. I also made sure all my reports are not locked and I opt in for pre screening. 

[starry1]

I don't know how well opting out works.  I'm opted out and I haven't received any cc offers, but get at least 4-5 auto loan offers per week.  I still even get auto offers from the company I actually bought a car from!  I think maybe the car dealers get your info from the court rather than the CRAs.

[Unique620]

I was told on another board to make sure I'm opt in and I am, but no go. Yeah I was getting auto loans from everyone, i already got a car loan last April. Just Monday I got another pre paid card One of the cards I would like to get in April, I was hoping to get with soft pull.

[Guyatthebeach]

I have only had offers for Credit One and First Premier. I didn't even open them. I had to create my own offer. I went to my local credit union and PNC to open secured cards the day my bankruptcy was discharged in February 2012. After 6 months, I tried to get unsecured cards with them and was successful with credit union. I went on to an Apple card and a Barnes and Noble card from Barclays. 

You should really try your local credit union. I'm paying 10.99 on my credit union visa.

[Unique620]

I tried apple cu and haven't gotten a response yeare from what I hear they are very slow with application progress. It's been a month.

[visorboy1974]

Back in the day, I'd get HSBC (Orchard Bank, Discover etc) offers weekly.  Since they moved over to CapOne, not sure how their marketing is anymore.  At the one year mark I got a CapOne offer and year 2 I got a Juniper Barclays card.  I found it much easier to take control of your own situation and look through some BK Friemndly creditors threads and see which ones will approve at what time.  As your BK ages (I will hit 7 years within the next 2 weeks), you'll realize that you qualify for a whole lot more each year.  Fortunately for me, I've been able to get rid of all my toy limit cards and the only one I technically kept (Juniper) I was able to convert into a Barclaycard Rewards MC.    

[Unique620]

Thanks for reply.

I just find it strange I never get any credit card pre-approvals and people with worse credit than me does. Honestly I only want Walmart & Discover back and I can't seem to find a thread that shows anyone who iib them and got them again. I guess I will stick to capital one and gardening.