https://ficoforums.myfico.com/t5/Bankruptcy/Rebuild-Recommendations/m-p/5677438#M65416 <P>Welcome. You'll want to wait at least 30 days after DC. Your scores will more than likely get a boost due to your legally now out of debt. Check your full credit reports and make sure everyone had listed all accounts as IIB and 0 balance. Then you could grab that Disco secured. No secured Cap1. They dont graduate for now. Wait 3 months then grab Merrick. No complaints on here about them. And then a self lender loan for an installment mix. Dont rush it. The above should be over a 6 month period. Its not a race. But a marathon. You can ask all the questions you want while rebulding. Were here to help. Good Luck!</P> Sat, 13 Jul 2019 00:02:38 GMT FireMedic1 2019-07-13T00:02:38Z https://ficoforums.myfico.com/t5/Bankruptcy/Rebuild-Recommendations/m-p/5677073#M65409 Hi all! I've lurked for a bit, but this is my first post. I filed ch.7 mid June and creditors meeting is scheduled for August 6. So barring anything crazy, hopefully DC by October 6ish. A lot of my bk was medical debt but there were also a few credit cards (Capital One x3 and comenity) and a One Main auto loan for a severely underwater car. I'll have to buy a new car within the next few months and am just trying to wait as long as possible (at least after dc). Currently driving a borrowed relative's.<BR />I definitely want to start rebuilding asap, even just in the planning stage now.<BR />I've gotten a pre approval letter for a Discover secured card (should I do that after dc?) But obvs burned Cap one a bit (around 14k). I am a member at a local CU (ORNL) but I'm honestly not sure if that's really helpful.<BR />Current score is 498 ish across the board after 3 months of late payments, lots of medical collections, and the new bk public record. I'm hoping that increases significantly after DC!<BR />So, advice on best way to attack this? Loaner for the auto after DC? Cards? Thanks for any help! Fri, 12 Jul 2019 19:23:27 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Rebuild-Recommendations/m-p/5677073#M65409 Anonymous 2019-07-12T19:23:27Z https://ficoforums.myfico.com/t5/Bankruptcy/Rebuild-Recommendations/m-p/5677438#M65416 <P>Welcome. You'll want to wait at least 30 days after DC. Your scores will more than likely get a boost due to your legally now out of debt. Check your full credit reports and make sure everyone had listed all accounts as IIB and 0 balance. Then you could grab that Disco secured. No secured Cap1. They dont graduate for now. Wait 3 months then grab Merrick. No complaints on here about them. And then a self lender loan for an installment mix. Dont rush it. The above should be over a 6 month period. Its not a race. But a marathon. You can ask all the questions you want while rebulding. Were here to help. Good Luck!</P> Sat, 13 Jul 2019 00:02:38 GMT https://ficoforums.myfico.com/t5/Bankruptcy/Rebuild-Recommendations/m-p/5677438#M65416 FireMedic1 2019-07-13T00:02:38Z