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Card Recommendations- 2 yrs 3 mo post BK...700+ score

shavit87
Established Member

Card Recommendations- 2 yrs 3 mo post BK...700+ score

I have no CCs or loans & would love to get some credit card reccomendations for "officially" rebuilding (filed Ch. 7 2+ years).

 

TransUnion and Experian, just above 700, so (best guess) FICO high 600s.

 

No balances other than student loans which are in good standing. 

Burned:

NFCU CC

Wells Fargo (Auto loan)

Capital One CC (2 cards)

WalMart Mastercard CC

 

*Edit to better clarify situation 

11 REPLIES 11
pizza1
Community Leader
Super Contributor

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

For starters...who did you burn in your BK? Which lenders?

Do you currently have any CC's at all?

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 2 of 12
shavit87
Established Member

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

Oh goodness sorry I forgot to disclose.

NFCU CC

Wells Fargo (Auto loan)

Capital One CC (2 cards)

WalMart Mastercard CC

 

Message 3 of 12
Scupra
Super Contributor

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score


@shavit87 wrote:

Oh goodness sorry I forgot to disclose.

NFCU CC

Wells Fargo (Auto loan)

Capital One CC (2 cards)

WalMart Mastercard CC

 


This is what you have or who you burned? 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
759 EQ FICO 03/2021
754 TU FICO 03/2021
743 EX FICO 03/2021
$29k NFCU Platinum | $30k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold
Message 4 of 12
shavit87
Established Member

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

Burned, I currently have none

Message 5 of 12
pizza1
Community Leader
Super Contributor

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

ok, well I would do the prequal at Discover and Cap1. Do Discover 1st. See what they offer you...

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 6 of 12
shavit87
Established Member

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

Thanks, I've heard good things about Discover! I'll see what happens.

Message 7 of 12
shavit87
Established Member

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

Got approved for the DiscoverIt Secured Card, thanks to the awesome suggestion!

Message 8 of 12
engineer86
Contributor

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

You can probably get back in with capital one. It's been a long stretch! 

Message 9 of 12
shavit87
Established Member

Re: Card Recommendations- 2 yrs 3 mo post BK...700+ score

Agreed, should I wait til after establishing my credit with Discover? I applied yesterday and not sure if it's too soon to go for card #2.

 

*Discover is the only application I've done post BK

Message 10 of 12
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