I really want to buy a house in a year and a half but need to rebuild my credit and I'm not having any luck. Capital One won't touch me, i'm guessing because my husband and I burned them. I tried the pre approval with discover today for a secured and denied because I burned them (not surprised) but they told me my score was 616 so that was useful. I currently have a Credit One credit card which I had before the bankrupcty and it survived I guess because I never had anything charged to it. I actually forgot I had it until the first year ended like two months ago and now I'm getting billed monthly for the annual fee. I have student loan that is under $1,000 and I pay $50 a month for but neither of those seem to be raising my score at all. I tried my credit union and they said they won't allow me a secured card until a year has passed.
Any suggestions? I read that synchrony bank (who I've never had) is pretty forgiving so I'm considering applying for the Nissan Visa with them since I have a Nissan Sentra and would be paying Nissan for maintenence anyway but something tells me I won't get approved. I also have seen Firestone is BK but I simply would never use it and I've read a lot of poor reviews on it. I heard Barclays is BK friendly as well but want 6 months post Discharge and 3 accounts. I only have two but and about two weeks from my six month mark.
I know I rambled and I'm sorry but does anyone have any suggestions for places I can possibly get an approval from?
I haven't actually applied to anything. I have zero HP's in the last 12 months. Everything was "pre-approvals" with no hit to my score. This is why I'm so timid. I don't want a inquiry on my report and no approval. Everything on Credit Karma is accurate. Nothing is listed other than my CreditOne Card, Student loan, and public record of my discharge.