Capital One Quicksilver One Approved Same Day as Discharge

[Anonymous]

I honestly can't believe it. 

I've been lurking here for awhile. Finally got my Chapter 7 discharge notice so figured I'd just puch in my info at the Capital One preapproval for fun. Showed I was preapproved so I applied-- and approved for a $2000 credit line. I am shocked!

I figure I'll use and pay off every month to get some good action going on my credit report. Any advice on if I should apply for anythign else or what to do next? I don't know my FICO but my FAKO (Credit Karma & Cap One Credit Tracker) is 680. 

[Anonymous]

Congrats to you! That's super amazing on the day of discharge! Did you include Cap One in the BK? 

There are conflicting views on the rebuilding strategies, but it seems valid that there is an extra score boost if you have 3 open cards reporting. Some suggest staggering the three cards, others say get them all at once. Then there is an extra bump if you add an installment loan like a car payment, secured savings loan from a credit union, or a company called Self Lender.

[Anonymous]

Congrats! You can try Discover preapproval to see if they offer you anything.

[Anonymous]

---

@Anonymouswrote:

Congrats to you! That's super amazing on the day of discharge! Did you include Cap One in the BK? 

There are conflicting views on the rebuilding strategies, but it seems valid that there is an extra score boost if you have 3 open cards reporting. Some suggest staggering the three cards, others say get them all at once. Then there is an extra bump if you add an installment loan like a car payment, secured savings loan from a credit union, or a company called Self Lender.

---

I did burn Cap One in my BK. I am so surprised! 

[Anonymous]

Congrats on your approval! 

[peghede]

Congrats m8 on approval, and yeah you should try double dip aka:disco pre approval lol.

[Anonymous]

Well done!