Hello all,
Let me just say that I have reading these forum for close to a year each and everyday and have gained so much knowledge about credit. I filed Chapter 7 and was discharged in June 2017. Since that time, I have been able to obtain several credit cards, I'll list them below and finance a car. My credit score upon discharge was 514 and today it is 622. My utilization is at 2% and on one hand I feel I have a great recovery efforts, but on the other hand I am so depressed! I attempted to several different credit cards with Navy Federal and was declined...too many inquiries. After receiving my credit steps with Capital One, and after 6 months, I applied for QuickSilver One - declined...too many inquiries. For the time being, I would love to have a QuickSilver One, but I REALLY want NFCU. I suppose common sense is telling me to just go and stay in the garden. But it's soooo depressing plus I don't know how long I need to stay in the garden. Please give me your thoughts...and thanks in advance 
Credit Accomplishments So Far...
Financed a car
Capital One $300 increased to $500
Fire Stone $800
Credit One $400 increased to $550
Discover Secured $200
First Premier $700