topic Re: Starting my Rebuild in Bankruptcy

Starting my Rebuild

Dmax5050 — Wed, 17 May 2023 17:26:31 GMT

So bankruptcy was discharged 5/01/2023. Looking for good options to rebuild my credit. Burned navy federal for over 30k so they're an indefinite NoGo. Capitol One has me on a blacklist even though they were not included and I had a paid charge off in February of 2022. I burned a number of small banks like Bank of Missouri, Celtic, and Web Bank. Honestly just looking for opinions on how to rebuild as I have almost nothing in my credit profile except for a self lender account for $500. I was going to follow the road to 700 thread, however a lot of places have already told me no for credit.

Re: Starting my Rebuild

Lawns1 — Thu, 18 May 2023 01:08:30 GMT

Check out Mission Lane, Ollo, Open Sky, Credit One for credit cards. I started off with them and doors opened afterwards. I am now back in with Capital One after a good history with the above mentioned.

Re: Starting my Rebuild

Lurker22 — Thu, 18 May 2023 11:39:30 GMT

If you're looking down the secured path, USB approves everyone for their Secured Altitude GO and Secured Cash +.....one of the only secured cards that offer decent cash rebates (they will eventually graduate)

Re: Starting my Rebuild

SUPERSQUID — Thu, 18 May 2023 21:24:36 GMT

Cards I started with 9 months post bk7 dc,

Kohls dept store 9/2020 300 sl unsecured, card is now at 7k and in the process of becoming a kohls/visa.

Target dept store card 9/2020 300 sl unsecured, presently 1300 cl.

Applied bank visa 300 sl unsecured, fees up the wazoo and high interest, closed at 1 year.

First digital credit card 300 sl unsecured, fees up the wazoo and high interest, closed at 1 year

Valero gasoline 300 sl unsecured, high interest, closed at 1 year

Fingerhut store acct 750 sl unsecured 1950 closing limit closed at 1 1/2 years

Firestone automotive, 1000 sl,unsecured now 2800

Reflex mastercard 750 sl unsecured, was 1050 when i closed it at one year

Mission lane visa 750 sl unsecured, was 1050 when i closed it at 1 1/2 years

Ollo mc 500 sl unsecured, was 600 when i closed it at 2 years

Big Lots store card 750 sl unsecured, was 1050 when i closed it at 1 1/2 years

Capital one might let you in after a year, they gave me a 300 sl unsecured platinum in april 2021, now i have 3 cards with them, Quicksilver 5000 cl, Savor one 3100 cl, and kohls 7000 cl.

I burned cap 1 for 5k in my bk7

ymmv

Re: Starting my Rebuild

Dmax5050 — Thu, 18 May 2023 21:57:13 GMT

I burned credit one and they won't let me back in just yet

Re: Starting my Rebuild

FireMedic1 — Mon, 22 May 2023 21:56:09 GMT

@Dmax5050 wrote:
I burned credit one and they won't let me back in just yet

Really! Now thats a new one. OpenSky is good. Try Mission Lane also.