First don't get get down on yourself. I just went through a bk, discharged in Oct, 07 .In Dec 07. I purchased all 3 of my fico scores, the reason u want to do this is to make sure everything that you listed was discharged through the bk, was reported on your cr. In my case everything was correct. Now my scary time came what would my scores be? Well they were not bad as I would have thought. Tu -585 Exp- 581 and Equfax-571. My Bk raised my score instead. I'm not proud of filling bk, but my point is It's a fresh start. Yes it's on my record for 10 yrs but who cares after 2 yrs you can get a mortage etc. Now for credit cards please please and please do not get a credit card that you have to pay an annual fee, one time set up fee, plus a monthly fee, on top of a high intrest rate. That is the worst thing for you. What I did was apply for a secured credit card through my credit union for $500.00 start off small, dont look like u need a $1000.00 limit. They will secure the card from your savings account, and report to all 3 cb. the apr is only 10% not bad look at the rest of the banks like providen, etc. All you have do is join the credit union, and they will take care of you. Then after a year you can ask for a unsecured card, but you never lose your $500, unless you dont pay your balance off, and the $500 is earning intrest as it sits in your account. Anyone who would like to know which credit union I use just ask me and I'll help you. Today I just received an unsecured cc from HSBC with a $500.00 limit. Thats all you need after bk just 2 open lines of credit for at least 24months. .Tim
