Nicholas,
You are ABSOLUTELY right. This is a place for building/rebuilding credit which is why you do not need to mention Rolex's, LV's, Benz's (unless we are talking about the MB Credit Card!). If you didn't mix pleasure items with credit in your posts, I think others would be less critical. Having a Rolex's, 2 million dollar house, LV's, iPads, have nothing to do with the rebuilding of your credit. In all honesty, neither does the total of your entire BK. The fact is those that have a small BK often have the same issues as those that have a 4M BK.

It seems you got some pretty decent answers (they may have not been the ones you were looking for) but they were pretty well thought out (using cash, letting the cards you have garden, possibly acquiring a higher limit secured card to finance the purchase and paying it off in full). 

For the time being, it is best to let what cards you have mature, and if you want to buy higher end items just use cash. We had our differences in another post, but I move on. Look at the advice given to you, use some cash this Christmas, and I hope you and your family can move on from your BK. Best of luck!

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nicholasc77 wrote:

Im very upset that I am actually tearing up to think I life is fake or a joke Iassigned on these forums to rebuild my credit not be humiliated 

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Quick Question: Not meaning to bash like everyone else...I'll feed the trolls...'

But, you bankruptcy was finalized in July/August, and you already have 8 credit cards with in 30 days...you do realize how inquiries hurt you, and this recent influx of store cards doesn't help...

OP, I will say this, learn from this and move on. Family is more important than things. If nothing else, I'm sure this was a humbling, life changing experience. Sit back hit the reset button and learn from this. In regards to family and gifts, they should love you  in spite of what material items you provided.  The time you spend with people is always more valuable than any material gift you can bestow on a person. The holidays is about family, not the material items you provide, we can't take it with us. 

In the garden, June 11, 2013

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XxRaVeNxX wrote:

Quick Question: Not meaning to bash like everyone else...I'll feed the trolls...'

 

But, you bankruptcy was finalized in July/August, and you already have 8 credit cards with in 30 days...you do realize how inquiries hurt you, and this recent influx of store cards doesn't help...

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His Second bankruptcy, don't forget that part 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

That's right I had to file two times ok get this straight i brought her a c class for safe and it's a lease when it's up she is on her own 

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jsucool76 wrote:

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XxRaVeNxX wrote:

Quick Question: Not meaning to bash like everyone else...I'll feed the trolls...'

 

But, you bankruptcy was finalized in July/August, and you already have 8 credit cards with in 30 days...you do realize how inquiries hurt you, and this recent influx of store cards doesn't help...

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His Second bankruptcy, don't forget that part 

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no need to get personal now. it has showed you cant manage money and like a previous poster said that is one reason honest people cant get no credit because of the few bad apples out the racking huge amouts of debt and then filing BK to get rid of it. sorry man but you just ganna have to break down and tell your family santa was broke this christmas. sorry you going through all  this but a good advice dont post to much personal information people that rack up huge amounts of debt dont need any more.

Coming from absoluty no money living in the Bronx to havingood successful like does mean a lot to me and having nothing makes me wanting everything I'm sorry 

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nicholasc77 wrote:

That's right I had to file two times ok get this straight i brought her a c class for safe and it's a lease when it's up she is on her own 

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jsucool76 wrote:

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XxRaVeNxX wrote:

Quick Question: Not meaning to bash like everyone else...I'll feed the trolls...'

 

But, you bankruptcy was finalized in July/August, and you already have 8 credit cards with in 30 days...you do realize how inquiries hurt you, and this recent influx of store cards doesn't help...

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His Second bankruptcy, don't forget that part 

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ah12345 wrote:

no need to get personal now. it has showed you cant manage money and like a previous poster said that is one reason honest people cant get no credit because of the few bad apples out the racking huge amouts of debt and then filing BK to get rid of it. sorry man but you just ganna have to break down and tell your family santa was broke this christmas. sorry you going through all  this but a good advice dont post to much personal information people that rack up huge amounts of debt dont need any more.

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To me its a slap in the face, an insult. I work hard for what I have and to read some of the utterly dumb things this guy has done with money he should be made to pay every cent of it back. I dont care what you have to do, sell everything. Thats whats messed up about this country you can get away with stuff like this and one court case and its all gone. It shouldnt be that easy.

I've always hated BK stories but this one just takes the cake.

Done venting.

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Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013