I must be riding a unicorn....

[ButtercremeQueen]

Long time lurker, first time poster.

Just wanted to share that I'm in the last stages of a BK13, should be discharged in 2 months...in the meantime I have gotten a few credit builder accounts to help my score so that I can get real credit cards eventually.

I have Kikoff, Cleo, Credit Sesame, Extra and Cred A.I. I have had these accounts for about 5 months.

My scores are EQ 661 EX 665 TU 659.

I like to read these forums and also play with the prequels for fun but today something strange happened on the AMEX site, I was pre-approved for 3 cards (GOLD, BCP, BCE). I know I shouldn't have a shot but I figured, why not, so I froze TU (so I wouldn't get hard pulled 2x and denied) and pulled the trigger for the GOLD...BAM APPROVED POT $3000! Then I thought ok, let's see if Truist will show me some love and BAM APPROVED! -Enjoy Cash $3500, I decided to try my luck one more time with Petal2 and BAM APPROVED! $2900.

Totally shocked!

[babygirl1256]

Congrats on your triple-hitter success . . . best wishes on your credit rebuild as many of us on this forum HAVE been there!!!

[FireMedic1]

Congrats. Now take a year off in the garden. Enjoy what you got and your upcoming DC!

[TRC_WA]

Congrats.  I got my Ch 13 discharge 3 months ago... with similar 650ish scores.  I also started early acquiring accounts 1-2  years before discharge and most recently got a $10k Delta Amex... (didn't burn them)

From what I've read Amex lets you in around 5 years post filing.

I'm in cruise control now till everything falls off next year.  Best advice I can give is since you've got these accounts give it 6 months to a year before getting anymore.  You're well on your way.

[Carissa82]

Just curious, How did you get credit Ai already? I thought you couldn't get it for 5 years after bankruptcy? 

Congrats on being almost done!

[righthererightnow]

CONGRATS!!!!!! That is awesome!

[ButtercremeQueen]

I read on a forum to say no the the question about BK, they didnt check and I was approved for this credit builder. It is not an actual credit card, it is a debit card that you load with your own money but it reports as $1500 primary credit card on all three bureaus. You dont even have to load cash on it or use it and it will still report positive payment history.   

[Carissa82]

Thanks! I was hoping to get another revolving trade line without actually getting a credit card so this was a good solution. 

[TRC_WA]

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@ButtercremeQueen wrote:

I read on a forum to say no the the question about BK, they didnt check and I was approved for this credit builder. It is not an actual credit card, it is a debit card that you load with your own money but it reports as $1500 primary credit card on all three bureaus. You dont even have to load cash on it or use it and it will still report positive payment history.   

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Congrats!  Remember rebuilding is  marathon not a sprint!  Good luck!

[PetyrBaelish]

Congrats! Did you have any Amex cards included in your chapter 13?