Established Member
Posts: 22
Registered: ‎12-07-2011
Re: Walmart Credit Card

yes. Thank you! I'm a single mom of two so it was hard... When I left the kids Dad I want to start over so I just filed BK.. Babysitter was $1000 a month and car payments was $700.00 and rent and other sh**.. It was BS. I have to let go of everything.. But I'm okay now.. I finally got savings and something to have on hard times..


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Community Leader
Senior Contributor
Posts: 3,747
Registered: ‎07-12-2012
Re: Walmart Credit Card
My plan was to wait a minimum of a year post bk7 to apply. I'm A ok with the three cards I have now. I rotate a balance less than 9% every month right now. Hopefully my score will climb quickly!!
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
730 EQ FICO 04/2016
732 TU FICO 04/2016
738 EX FICO 04/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.8k Cap1 Quicksilver | $10k Amazon Store | $11k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred
Established Member
Posts: 22
Registered: ‎12-07-2011
Re: Walmart Credit Card

I filed Chapter 7 on November 2011, then started my first credit card after 3 months. I didn't really apply that much I didn't know you can rebuild right away but everyone has different preferences plus you already have credits on hand so there's no rush.. I think you are doing a really good job..Your credit will climb up right away.


Scupra wrote:
My plan was to wait a minimum of a year post bk7 to apply. I'm A ok with the three cards I have now. I rotate a balance less than 9% every month right now. Hopefully my score will climb quickly!!

Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700