I definitely can feel your pain on this one. We got our BK7 discharge in April 2018 and within a month I got approved for my Discover it Secured, and in July my wife got approved for the NFCU nRewards Secured card. My Discover is still secured despite paying the statement balance each month, making multiple payments to do so. We use that card for all of our recurring charges to limit what's being pulled out of our bank account. We often run the balance up to 80% of the credit line but that's just because of the recurring and automatic payments from some of our utilities, but again we pay the statement balance and have never paid any interest despite me passing my 9th statement with no luck. My wife is an AU of this card.
On my wife's NFCU card we use it for gas and odds and ends purchases, often getting up to 80% of the credit line (this one is a lot lower than the Discover) but paying the statement balance each month making multiple payments to do so. She just passed her 7th statement and it's still secured. I am an AU on this card. We also swapped our banking to NFCU after our last credit union of over 15 years wouldn't put preventative measures to stop our debit cards from getting hacked.
We have established postive credit since our discharge yet I can't get Discover or NFCU to graduate us to an unsecured. I have tried a few times with an auto refi, a credit card, and the checking line of credit with NFCU and they all are denied. The auto refi denial makes me scratch my head though. I finally got someone to tell me that NFCU won't approve an unsecured credit card until 1 year post discharge. Seeing that they denied yours after 1 year makes me think this will happen to me too. Discover just can't give me a straight answer saying it's all computer driven and they can't tell. Scores for both of us are in the low to mid 600s depending on the bureau.
See if your BK lawyer can help with that collection but my understanding is that won't just go away since it was included in the BK until 7 years have passed.
My wife's NFCU nRewards is in the process of graduating as yesterday morning she logged in and noticed her credit line changed to $2,000 but it still shows Secured. Finally something good is happening to move things forward! This would be statement number 7 that just cut this weekend. I'm now back in the Hang In There camp!
Hopefully with yet another big payment to pay the statement balance on my Discover (again for the 9th month in a row) hopefully it will graduate come early in March when the statement cuts.