Re: Filed for Chpt 7 awaiting discharge
10-02-2012 05:40 PM
So I bit the bullet and filed chapter 7 Aug 8 2012... I had my meeting of the creditors Sept 12th... I am so excited because I know I can see the light at the end of the tunnel. I applied for Captial One Platinum and was approved for $300.
I applied for credit one and was declined. Dont want to keep applying. Im giving back the car after the discharge is sent. Gonna go to auction and buy a car. Would like to have 2 credit cards but what would you guys advise.
Looking forward to the advise
I had only one credit card for almost three years post bk. It was also a capital one. It worked fine for me and I was able to get other cards fairly easily after that point. At the bare minimum, I recommend using your capital one for at least six months, building some history and applying for another card. Your local credit union is almost always a great place to look.
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!