No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
First thing that sticks out is 8 cards in a year after BK in your siggy. A few too many. You only needed 3 to get it going. So there's a bunch of hits to your score. No more apps for a year at least. BK will always be the biggest hit. Then whatever that was CO'ed, lates, ect before filing will have to age and fall off. Which more than likely will happen before the BK is done. 750 is usually the highest you could probably go once all the baddies are gone outside of BK. Letting what you have now age some. You can get to 705-710 average. Then as all the lates age. Minor bumps here and there. Nothing is fast with FICO. Time will do its thing. Good Luck!
Remember this. More credit doesnt produce higher scores in rebuilding.
In a way yes when the baddies fall off. But heck your over 700 already so thats nothing to complain about. 2 yrs out I was around the same. After 4 yrs I have stalled. Have 1 30 day late going in Aug 2020. All the calculations that make up a score is where I'll stay until my BK falls off in 5 yrs. I'm happy right where I'm at.
TU was always lagging behind until year 3. Probably because EQ/EX my oldest accounts is 19-21 yrs, only 12 on TU. But it did catch up and it doesnt move much compared to the others. You'll be fine. Just takes time. Rebuild time that is.
@recoveringfrombk7 wrote:
Yep that's the plan!
Jan 2021 - car loan + cu visa rewards
Jan 2023 - AMEX
Other than that just SP CLIs and relaxing.
Copy that............