So sad I could just cry...

[Scupra]

Don't get down on yourself! You got this, it just takes a little blood, sweat and time haha! There is a lot of us here to help. Good luck and keep your head up!

[gdale6]

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@tham928 wrote:

Hi everyone, I was discharged from ch 7 on Feb 3, 2014. My current fico score per myfico.com scorewatch is 557. I burned 1 capital one card in bk. I've applied for a credit one card and capital one with no luck. Now the upside I guess is that my bank gives credit builder loans ( They fund a savings account with 1,000.00 and I make payments for 1 year and then I get the 1000.00). I'm going to start that to have at least some thing showing up. Everything is reporting correctly on my credit report but I just don't know what else to do. I have read the bk to 700 but it seems that there are mixed opinions  about secured cards. It's all just so disheartening.

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Congrats on your discharge. I would forget about Cap-1 for a few years as you IIB them but they will not hold it against you forever. BofA has a graduating secured card and there are also national CUs that I would try to get into and develop relationships with (NFCU if you qualify is a great one post BK, DCU, SDFCU) and the list goes on. I would not apply for any further cards until you obtain all 3 hard copies of your reports thru the mail and confirm all your accounts are reporting IIB, it dies a world of wonder to get your ducks in a row first, and I am serious about copies by mail, do not use online delivery they do not show you the whole picture...

[tham928]

Thank you all so very much for your kind words. I'm going to get my hard copies and COMB through

 You're all so very sweet

[ezdriver]

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@tham928 wrote:

Thank you all so very much for your kind words. I'm going to get my hard copies and COMB through

 You're all so very sweet

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Awwwwhhhhh shucks ... now I feel like crying! Just kidding ... hope you're feeling better. Focus your mind and energy on the things you have to do to rebuild. Get made ... not sad! 

[SoulMaster]

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@ezdriver wrote:

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@tham928 wrote:

Thank you all so very much for your kind words. I'm going to get my hard copies and COMB through

 You're all so very sweet

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Awwwwhhhhh shucks ... now I feel like crying! Just kidding ... hope you're feeling better. Focus your mind and energy on the things you have to do to rebuild. Get made ... not sad! 

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Ez - 

If OP could get made, s/he wouldn't have this problem at all.  The mafia take care of their own!

-SM

LOVE that typo!

[lizz01]

I just wanted to add my comment of support too! Don't get discouraged. There is hope on the horizon.

[ezdriver]

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@SoulMaster wrote:

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@ezdriver wrote:

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@tham928 wrote:

Thank you all so very much for your kind words. I'm going to get my hard copies and COMB through

 You're all so very sweet

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Awwwwhhhhh shucks ... now I feel like crying! Just kidding ... hope you're feeling better. Focus your mind and energy on the things you have to do to rebuild. Get made ... not sad! 

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Ez - 

If OP could get made, s/he wouldn't have this problem at all.  The mafia take care of their own!

-SM

LOVE that typo!

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Ha ha ... that was funny! Amazing what results occur when fingers and brain get out of sync.

I texted a client yesterday this: "The lender will be expecting your wife's hours worked in pasties.". Of course I meant to type "paystubs". The husband texted back that he had a good laugh when he saw my message. What would be be like without a sense of humor huh?