I'm at 603 score. I filed bankruptcy a year ago.. I just took a hit to apply for it just 'coz it's Xmas and my daughters birthday is a little after holiday.

I've been trying but unfortunately Barclay does not like to have many credit cards and high rate of using it even though you were never late.I have a lot of inquiries too just because I'm establishing credits.

Anyway I may not need to apply on this card anymore just because I will not have a need for it. I will probably just have some other family give her

the IPAD if they can afford it instead.

I will rest of applying cards till some of those items already clear my credit. I'm a little frustrated though but that's what happens when your credit is ruined.

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Starting Score: 542 TU after bankruptcy November 9, 2011 (Discharge Date)
Current Score: 598 TU Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Orchard @ $300, WheelWorks/CFNA - $1200, GE/OldNayve&Walmart $300 Auto loan - $25K @ $490/month, FingerHut $150 BADDIES - HIGH UTI but no late fees, school loak $20K, 27 hard inquiry
Goal Score: 700

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Starting Score: 455
Current Score: 550
Goal Score: 700

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