I have been researching this site for months now regarding my husband and I rebuilding our credit. Due to a job loss for several months with the economy crash, we slow payed his bills back but I filed a chapter 13 individually. Since reading every piece of information I could find on here, we started banking with NFCU and he has been able to obtain the nrewards, a personal loan and now a cloc. I can't thank everyone enough for the information they provide on here. I do want to ask and maybe I should on another board, but my ch13 will be done in 5.5 months. How long should I wait to apply for a card with NFCU on my own, or should I at that point have my husband add me as an AU on his and then wait for __ months to apply on my own? Once I'm able to get a line of credit established with NFCU, should I then try for the cloc or maybe an auto loan and would you do that at a one year after discharge time frame? Thanks in advance for any help.
