How am I doing with the rebuild

[jason0618]

I just wanted to make sure I'm following along correctly to rebuild after my chapter 7 discharge. I was discharged in October, 2024. 
Immeditely, I got mission lane with $1,500 limit with no fee. 
about a month later, I applied for Sparrow card ($500 limit and a $59 fee) and a cerulean card ($750 limit and $125 fee) Saje day, i apped for Toyota visa and was declined. Those are the only inquiries on my credit. 

 the fees aren't ideal, but my plan is to use all three cards and then close sparrow and cerulean right at the one year mark. Mission lane I will likely keep. I included discover and capital one in the bk, so hopefully after a year, they'll forgive me. 
i have a credit builder loan from my credit union for $1,000 also. 
score is currently sitting at 618 with the free myFICO account. Idk what my other scores are, but does this seem about right for being a few months out?

 No car payment either. 

[FicoMike0]

Three cards is good. You want to do azeo. Make sure you understand that utilization is based on reported balance. You need to manage your statement balances, yes, it's a pain. 

At some point, you should try to replace the fee cards. Capone is known to be forgiving and has preapproval with no hard pull. Try them every month, no penalty.

I don't know how well credit builder loans work. Ideally, you want an installment loan paid to 9% or less. A ssl from penfed or nfcu works. I did penfed, anyone can join. I got 30-40 points, I went for seven years. It's costing me about $4 a year. Look it up, if you re interested, just post and we'll explain it.

[CaneVariant]

I think you are doing great so far. I am about 6 months ahead of you in BK (discharged Mar 2024) and Mission Lane was also my first card out of BK. I also got a Ally card off of Credit Karma that I will probably close. I also went the SSL like FicoMike but with Navy Fed. IME you will see a lot of negative posts about Mission Lane especially on reddit. However, I have had no issues with them. I used it as my daily driver (~$2000 ((3000 cl) and was rewarded with a CLI to $4k right at 6 months. At 1 year filing (December 2024) I used the C1 pre-qualifying tool and was denied. (I burned C1 for about $1k but Discover for ~$50k). Since there are many DP's that C1 is more forgiving at 13 months post filing I hit the pre-qual again in January and was BLOWN AWAY! C1 let me back in with a better card and limit than I had before. tldr: rock the Mission Lane card as hard as you can and let time do it's thing.