Shols44 

thanks for the advice, and I will definitely hold back from usaa until maybe they solicit me for their produWilliam am not sure if they would let me get a secured card after BK 7 if you know of anyone that has gotten even a secured with them than that will be good enough for me to app. I had a secured before BK that I closed before bk filling to so they would not freak out. 

i will look into CreditOne and CapOne for rebuilder cards after 6 months or a year with secured cards so I get a decent credit line for my first unsecured which is the goal. I don't want tiny lines messing up my average credit line limits. 

I will definitely keep you all updated on my process, and I pray it goes smoothly. 

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Current Scores: 564 EQ MyFico SW Alert 05/02/13; 640 TU Lender Pull 04/25/13; 581 EX VantageScore Experian.com 03/15/13
Starting Scores: 443 EQ MyFico; 513 TU MyFico; 473 EX Lender Pull Date: 05/20/2012
Goal Score: 720+ Across the board By 07/2014 and Purchase House Dec 2014

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IN MY WALLET: Fingerhut $250; Capital One Unsecured Cash $500 ; Credit One Unsecured $300 Annual fee $85; Navy Federal Secured nRewards $1000 (1); Navy Federal Secured nRewards $1000 (2); Santander Auto Loan $18,000