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Hi there. I am new to writing on here, but far from new in reading everyone's progress and success. I filed Bk 7 May/2019 and discharged August/2019... obtained first CC with Mission Lane $500 CL, Ollo $300 CL, Kay's (Genesis) $3,000 CL, and Credit 1 $500 CL. I have a balance I carry on Kay's, but everyone else I PIF every month. Is this the best route to take? FICOs 618eq 610Tu 624exp
No auto loans. Small student loans.
I started with low to mid 500's after discharge. Just joined NFCU and hoping to get in good graces with them via their cards.
3 credit cards and a installment loan makes optimal scoring happen. So I would say you are on the right track. If possible keep the balance on the other card beneath 8.9% Then just garden away for a bit not sure when last apps were but navy federal is a great in. I just got the secured card with them as it graduates and I can build my relationship with them again.I wish you luck on your rebuild, it's a marathon not a sprint.
Welcome to the forums! Get the secured card with NFCU to establish a relationship. I filed and was discharged the same time as you last year. Good luck on you rebuild journey!
Your far out enough now to give Disco a pre-qual check too. If they werent burned. Good luck on NFCU.
Thank you all. Will garden and see what happens.