Back in March 19 I filed chpt 7, Discharged June '19. In August '19 I finally was approved for an auto loan through Ally Bank at a Mitsubishi dealer. I wasn't trying to get anything big and fancy, Just needed a car on my credit report to show payment history since I kept two cars and let another go in Bankruptcy. I never did an reaffirmation agreement with lenders to give me "options" if I couldnt handle three payments again. I'm months away from paying off one the three. Fast forward a bit, Starting with Fit Mastercard (600) and Surge (700) MC, then Fingerhut (900) by the end of 2019 my rebuilding journey began. in 2020 I tried to trade in and was not sucessful in replacing the newest car as it was too underwater. Now I have a bunch of inquiries 
BUT I was able to finally quialify for Discover it NON-secured (1k) in Feb '20, Ollo (300) in March. Then come June Target which I IIB gave me (2k), gulf gas card (200) and Walmart/Cap1, which I also IIB, (300). Today Sync which I BURNED BIG TIME over several cards let me back in @ 2.5k for CareCredit. So now that I am carrying limits very close to 10k, only have one car payment reporting, and $$ saved up, I can actually start looking at house hunting in the next year+.
This post is an FYI for those who wish to "know what other have done" to recover coming out of Bankruptcy since YRMV!
**UPDATE** Capitol One just let me back in for their Platinum Card @ 3k! So now I am done applying for credit....
@Sacaripasa wrote:Back in March 19 I filed chpt 7, Discharged June '19. In August '19 I finally was approved for an auto loan through Ally Bank at a Mitsubishi dealer. I wasn't trying to get anything big and fancy, Just needed a car on my credit report to show payment history since I kept two cars and let another go in Bankruptcy. I never did an reaffirmation agreement with lenders to give me "options" if I couldnt handle three payments again. I'm months away from paying off one the three. Fast forward a bit, Starting with Fit Mastercard (600) and Surge (700) MC, then Fingerhut (900) by the end of 2019 my rebuilding journey began. in 2020 I tried to trade in and was not sucessful in replacing the newest car as it was too underwater. Now I have a bunch of inquiries
This post is an FYI for those who wish to "know what other have done" to recover coming out of Bankruptcy since YRMV!
Congrats on your successes in rebuilding so far!
@Sacaripasa out of curiousity, was CareCredit one of the cards you burned through Sync?
@Sacaripasa wrote:Yes, I burned CareCredit for like 5k. Walmart when it was Synch, Pepboys. Altoigether I burned Synch for about 15k
I was lucky I was in the process of burning Walmart during the transition from Sync to Cap1. At least I know Cap1 tolerates me. lol
But also, good to know about CareCredit. Maybe I'll try getting back with them in another ~14 months (to follow your timeline of ~2 years post filing). Thanks for sharing!
