Welcome and congrats. We need to know who got burned. This will help in deciding which path to take to start.
Hello and welcome to the forums.
First before anything you need to make sure your reports are in order and reflecting correctly. All your accounts that were included in bankruptcy, should show $0 balance and the notion IIB somewhere.
Once your reports with TU, EQ, and EX are reflecting as they should, I would then apply for a secured card with Discover. They will graduate between 6-12 months with proper management.
Also, you can start checking the pre-quals online for Capital one once your reports are in order, they are the most forgiving.
Forget Navy...you won't ever get them back unless they are PIF, and even then you have to jump thru hoops after they are paid back. I wouldn't ever pay back a creditor anyways just to get credit again..
Even if Cap One is one of the ones I burned?
Also, what about Car Loans?
I didn't include any cars in the BK and currently drive a beater... Eventually want something newer.
Hello and Congratulations on your discharge.
-Capital One is very forgiving, keep trying their pre qualification which will not affect your score as its a soft pull.
- Credit One is out of the equation as you burned them and you may be blacklisted with them, at least thats what happened to me as i burned them. They will not let you in for a while and after a while you do not need them at all.
- As you did not burn Discover you can try their Pre qualification every week to see if it pops up any offer.
- If you dont have an installment Loan i suggest you take a look at Self Lender.
- Also see if you can be added as an authorized user on someone's CC account with excellent history.
- I myself couldnt get any offers to show up in Pre Qual from Cap One or Discover since my discharge, so i went ahead with some store cards using the SCT which is mostly HP nowadays according to many forums members, but i have not yet seen a HP for my cards listed in my signature, again YMMV.
All the best for your Journey towards better credit.