Hi all,
I stumbled across this forum recently, signed-up, and began to see the light at the end of the tunnel for the first time in a long time.
Up until 2013 when I lost my job I had great credit with plat amex and 40k auto loan. It was gone very quickly.
I filed BK and it was discharged in Mar-15. I thought my credit days were over. It really put me in a funk.
Fast forward to the end of last year. I got an offer for a $500 secured card. I was approved and began to rebuild.
Yesterday I was approved for a 3k Capital One Quicksilver and joined NFCU.
My Fico Score as of now-- 610/604/622. I have the two cards and I am auth user on another 6K Capital One that has appox 2k balance.
Should I try and get small installment loan? I have a few collection accts showing from BK. Should I work on those?
I've been doing lots of reading here but thought maybe some advice might help.