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Welcome @Anonymous
Congrats on the CU approval. You can get the OpenSky card with no HP secured. Then wait it out a few months and go for a Discover card. Even though it may be a secured it will graduate. They like to see some history before approval. Theres your 3 cards. Any money put into a car repair you dont get back. If it is the engine that will be expensive and money wasted that could go to another car. Talk to the CU and see if they will finance you for a low cost used vehicle and turn in the keys for the present one and walk away. That will be your reported loan then. Then your all set for a year and let your scores start rebounding.
Check your reports and make sure all creditors report IIB and $0 up to 30 days from now. Then you'll see a score bump. And off you go to a successful rebuild. Good Luck!
The fakos AKA Credit Karma, use a different algorithm then what FICO does. A small amount use Advange 3.0 but a vast majority still use FICO scoring models. So, you need to find your FICO scores. Which you can do here on MYFICO for some money but it gives you all 3.
Your welcome @Anonymous . You can get all of your FICO scores for $1 at experian.com. Then cancel before the trial ends a week later. You will still get a monthly free EX Fico score and you can repeat the $1 trial anytime you want. Dont hesitate to ask any questions. We're here to help ya!
I didn't think I would get a Discover as quick as I did. I just kept doing the prequal (They will accept weekly). I am only 2 weeks past my D/C and I was very suprised that I was approved yesterday. I have been approved for a "Surge" but it has the ridiculous fees. I had planned on paying the $100 fee and just use once/mth and PIF. However, I will have my NFCU soon. My local CU wants 6 mths payment history before I get a secured with them so I am going to garden Discover and NFCU for 6 mths then try for my CU. I intend to shred the Surge.
Unfortunately I tried a debt consolidation first and they told me to quit paying all my bills. So they all went late before I got the CH7 filed. Keep trying!