Discharged! Starting rebuild - What else do I need?

[raine22]

Discharged on 7/09/21 and it has updated in all three CB's.  

Mortgage Loan -  since 2013, always paid, no lates

Auto Loan - credit union (took out a loan with attorney advice against paid off vehicle so I wouldn't have so much equity). no lates

Capital One Platinum - applied 07/10/21approved for $3,000 limit.  

Pottery Barn Credit Card - survived chapter 7 -  $6,000 limit, always paid, never late, zero balance history since 2011

Relationship with Penfed - checking/savings no other accounts 

Should I try for another card?    Should I wait until I'm a year out of discharge and apply with Penfed for a credit card and just let the Cap One age.   As of today, my scores EQ 615, EX 584, TU 524 

Any advice appreciated.

[Mjhall85]

First, congrats on the discharge! Seems like you are off to a good start, have you checked all the bureaus to make sure accounts are listed correctly ? The ideal amount of cards is 3 plus an installment loan of sort, the 3rd will help but up to you whether you get it now or a few months. Best of luck on the rebuild, I just celebrated my 1 year from discharge. The time flew!

[raine22]

I cannot wait until I'm one year past but happy that it's a new start now!!  I did check all my accounts and everything is in order as far as zero balance and listed as IIB.

I have my mortgage loan and an auto loan installment so I should be good there.  Unfortunately, the auto loan only reports to Equifax.  I also have a $1,000 cash advance with my checking account that does report to all 3 cb's once you take any amount of advance and pay it back without interest as long as it's auto pay.  I believe that will help as well if I would use it just so that reports to all 3 cb's.  

Thank you for your support!   I may try and get back in with a few cards I had that weren't burnt during the chapter 7 and had great credit history with them.  I'm not sure how willing they will be able to do that but it's worth a try.

Just want to be sure I'm taking the right steps!