This is crazy.  I have been working on rebuilding my credit since I filed a Chapter 13 over a year ago.  I was approved for one credit card last year and I have paid it on time every month.  I'm getting a little frustrated though because when I spoke to a broker I was informed that I need more credit.  How can I get new credit when I can't even get approved and if I have too many inquiries hit my credit report it will drop my score.