Re: Why is it so hard to get credit after a BK?!
09-20-2012 08:51 AM
I literally rebuilt my credit with one card. I got the Capital ONe unsecured a few months after my Chapter 7 discharge and had it as my solo card for three years before I applied for a new card. At the time I was applying for a new card, my scores were in the mid 600s.
I will echo what everybody else has said. Stop applying and use the cards you currently have. Be patient. Good things come to those who wait.
Barclay's Apple Financing Card ($6400) --- Capital One Cash Rewards World Card ($6000) ---GEMB CareCredit ($5700) --- AU FCU ($6000)--- Walmart ($5000)
FICO Scores: TU 735 EQ 695 EX 740 (Feb 2013, all pulled by lender)
Mortgage in 2013- So help me God!