Rebuilding after BK13

[lavonda]

Recently discharged 7/2018 from a BK 13 that was filed in 6/2013. I am currently in the rebuilding stages. 

Credit scores are 657 Experian, Transunion 725 and Equifax 683

Cards I obtained during the bankruptcy are as follows: 

FNB 2100 CL 

Discover it 2400 CL 

Credit One Visa 1350 CL 

Credit One MC 800 CL

City Home Depot 1000 CL 

Amazon 330 CL

JcPenny 110 CL 

I am looking to get rid of credit one and replace with another credit card. Does anyone know of any good cards I can obtain that will not decline due to BK that has no annual fee. 

I have student loans that are going back into repayment so they should start reporting soon and looking to get a new auto loaon. 

[CH-7-Mission-Accomplished]

Congrats on your card lineup.   Were you able to get all these cards before discharge?   Did you have to get trustee approval?    Not making any negative suggestions, just curious because I thought it was virtually impossible to get anything besides a secured card pre-discharge on a 13?   You would easily qualify for any of the Capital One cards and probably lots of others.

[lavonda]

Yes I started out with an FNB secure card during Bankruptcy. Then graduated to insecure card. No I did not have to get any trustee approval. I included cap1 so I’m sure the Wont give me another one.

[CH-7-Mission-Accomplished]

Cap 1 is very forgiving.  I bet they will give you a card.  Go to their page and do a prequalification.   If they give you a precise interest rate instead of a range you are good to go.   Even if they give you a range they may approve you.   Just be aware they pull all three bureaus unless one is is frozen in which case they will accept two.

[lavonda]

Okay I’ll have to give them a try again. I did the pre qualification already and it came back with a range of four cards. Nothing specific. I tried before my BK was discharged and got declined.

[tooleman694]

I included cap 1 in my BK 13, they let me back after discharge.

[Shooting-For-800]

I would check Cap One, Discover, and Merrick prequals.

I would not get rid of any card you simply do not hate.

GL!

[lavonda]

This is true about getting rid of cards I don’t hate. But credit one charges a monthly fee that I hate.
I currently have a discover card.

[Anonymous]

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@lavonda wrote:
This is true about getting rid of cards I don’t hate. But credit one charges a monthly fee that I hate.
I currently have a discover card.

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How long were you in your bk13 did you app for the discover IT? And do you remember what your score was?

[Shooting-For-800]

Yea, I would dump credit one especially if you have fees involved.