Lost on how to rebuild

[Anonymous]

I filed CHAPTER 7 bankruptcy in may and was dischanged first of August. I ahve applied for multiple cards. Starting with Credit One since I read that in a forum. I have tried several store cards and I am alwats denied. I have been approved for a  vehicle through Kia but dont know if that is a smart move to start rebulding. I need HELP!! I dont know what to do! I feel like I am stuck with crappy credit despite the bankruptcy!

[Anonymous]

Check out this thread:

http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-...

[Anonymous]

I have read that backwards and forwards but cant get approved for ANYTHING! Thats my problem!

[Anonymous]

With the recent discharge and a number of attempts, you may have too many hard inquiries at this point.

I know the guide says not to get a secured card, but my USAA secured AMEX does not report as secured.  Something like that may be an option.

Other than that, I can only suggest patience and waiting a few months. Pulling credit reports to make sure everything discharged in the BK are actually reporting $0 balances and IIB language.

[Anonymous]

Thank you for the advise. I will continue with patience and hopefully will start getting offers soon!

[ezdriver]

There is nothing wrong about starting with a couple secured credit cards. It worked fine for me.