I wouldn't get your hopes up on keeping the tire account. Even with a zero balance once you file and the creditor is notified they usually close the account anyway to avoid any losses on their end.
Please tell me you didn't file BK over less than $5k in debt? Why would being declined for a car loan require you to file BK?
Your best route to home ownership is to learn some serious money management. With those accounts all being less than 2 years old and now filing BK my educated opinion is that you are looking at 5 years minimum before home ownership becomes a reality. If I were you I would be banking somewhere other than Discover for checking because if by some miracle they do extend credit again and you are barred from BK then they have the right of set off to seize your banking accounts if you default again.
@kr43002 When it comes to closing or not closing an account when a consumer files BK, it's not as much about being "forgiving" because of the amount of business you've given them, etc. and MUCH more about the legality of collection going forward. In most states, by simply filing (as long as discharge is granted) it means that ANY contract you're under prior to that petition being filed is now VOID which means any creditor who chooses to leave your account open can't hold you to the agreement, etc. There's much more that goes into it than what I just said on surface level, but the general consensus is don't count on any accounts "surviving" BK.
Best of luck going forward!
